Employee Insurance Programs

Building a solid business foundation often involves adding in strategic protection channels like insurance. Insurance protects your business interests while providing a perk for your employees. Thinking in terms of the future, both life and disability insurance can be used to help fund buyouts of departing shareholders in your business.

What business insurance will you need? Your business' unique organization and asset structure directly impact what insurance you need and when. At Fellows Financial Group, we have an extensive range of insurance services available to you and your business. We will work with you to determine what you'll need and help you implement the coverage.



Group Benefits


Long-Term Care LTC

Key Person Insurance

Cash Policy Loans from Life Insurance

Split-Dollar Insurance Funding

ESOP Funding

Supplemental Executive Retirement

Installment Purchase

Not all services are offered through LPL Financial

Insurance for the Just in Case

Disability Income Insurance (DI)

Used when you, due to illness or injury, are unable to work for an extended period, DI could help cover a portion of lost income, including bonuses and commissions. While group long-term disability insurance may be available through your business, it may not cover all of your losses.

Life Insurance

Designed to cover your loved ones and beneficiaries in the event of your death. Available as either a) term insurance, or coverage for a specific period of time, or b) permanent insurance, or coverage for life (as long as the premiums are paid).

Group Benefits

Great corporate benefits solutions are your golden ticket to attracting and retaining the best employees. But let’s be real; building and administering these can be a major headache.  The market is complex and administrative costs keep rising. Changing times demand new approaches. With confusing regulations and overwhelming compliance issues, a one-size-fits-all package isn’t going to cut it.

To help keep your employees happy and healthy, we work with you to understand your pain points and the big benefits picture. Then we carefully design a program that supports and reflects your company’s vision.


Effective retirement plans hinge on making saving easy for employees — and making work easier for you. With a competitive plan that can provide financial security, you have the potential to make your workforce happier, more focused and more productive. Better yet, it’s a way to attract – and keep – the talent your company’s success depends on.

Your diverse workforce’s expectations should be reflected in the plan.  At the same time, it has to take into account all of the complex rules, regulations, and laws put out by ERISA and the DOL. All while building in the demographics, data and unique culture of your business. The work can be overwhelming. That’s why we offer companies like yours game-changing solutions, processes, and systems, backed by highly personalized consulting support.

We help take the worry out of retirement planning so you – and your employees – can focus on business.

Long-term Care (LTC)

LTC provides nursing home care, home health care, or personal or adult day care with a greater degree of flexibility and options than many public assistance programs.

Key Person Insurance

Designed to provide financial continuity for employees, customers, and creditors in the loss of an important member of your team, Key Person Insurance covers the costs associated with loss of business, executive search, and any business expenses during a transition. Additional Key Person Life Insurance offers a death benefit that can help cover financial losses that occur at the death of a key person. Taking out a key person policy on your top employees affirms their value to your business.

Split-Dollar Insurance

With split-dollar insurance funding, your business will pay a portion of life insurance premiums equal to the yearly increase in the cash surrender value of the policy. At the time of an employee’s death, your business will receive a portion of the proceeds from the life insurance payout equal to the number of premiums paid by either your business or the cash surrender value at the time of death.

Supplemental Executive Retirement Plan (SERP)

The SERP is a simple contract in which your business is obligated to pay the policy’s owner, an executive in your business, a specified amount at a future date.

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Fellows Financial Group is registered with Coastal Equities, Inc. Coastal Equities, Inc. and Fellows Financial Group are not affiliated. Securities offered through Coastal Equities, Inc. Member FINRA/SIPC, advisory services offered through Wealth Care Advisory Partners.Coastal and CoastalOne are trade names for the Coastal Companies. The Coastal Companies are Coastal Equities, Inc., Coastal Investment Advisors, Inc., a US SEC Registered Investment Adviser and Coastal Insurance Services, which consist of several affiliated insurance agencies. Securities are offered through Coastal Equities, Inc., Member FINRA/SIPC and Investment Advisory Services are offered through Coastal Investment Advisors, Inc., a US SEC Registered Investment Adviser, co-located at 1201 N. Orange Street, Suite 729, Wilmington, DE 19801.

Personal and Commercial insurance services are offered through Fellows Insurance Group LLC.   Fellows Insurance Group LLC is a separate entity from Fellows Financial Group LLC, and Wealthcare Advisory Partners. Fellows Financial Group LLC, Fellows Insurance Group LLC and Wealthcare Advisory Partners do not offer tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor.

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