Life & Health
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& Sales Team
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Life & Health Insurance

NBT-Mang Insurance Agency draws on the products offered by over 100 insurance carriers to ensure we can provide the most complete coverage at the best price to protect the needs of our business and individual clients.  Our sales process encompasses a detailed review of the risks each client or potential client faces so we can best design an insurance program for you. 

Team Members
Our team of sales and service professionals are devoted to clients.  Contact a member of our benefits sales team today to see how we can find creative solutions to meet your needs.

Robert Carey, Account Executive, Norwich Office (Click on Bob’s name to learn more about him)
Dan Grady, Account Executive, Norwich Office (Click on Dan’s name to learn more about him)
Teresa Schunk, Account Executive, Sidney Office (Click on Teri’s name to learn more about her)
Margaret Booth, Account Manager, Norwich Office (Click on Peggy’s name to learn more about her)
Maurice Isaac, Account Manager, Utica Office (Click on Maurice’s name to learn more about him)
Amy McKinney, Benefits Service Manager (Click on Amy’s name to view her contact information)

Business Coverage

We offer our clients a wide range of health and life insurance coverage that is tailored to the needs of businesses.  Contact us today to see how we can help establish a benefits program for you and your employees.  Simply click the Get a Quote tab on the left for information on requesting a quote or asking a question. 

About Employer Group Health Insurance
Choosing the right benefit program for your employees is a critical decision-making process.  Health insurance is the most popular benefit you can offer a prospective employee or it can be used as an incentive to help retain a current employee.  Whether you are a small or large group, we will meet with you to analyze your needs and then help find you a health plan program to address those needs.  We represent many well-respected insurance carriers and offer a variety of plans including health, dental, vision and disability insurance, to name a few.  We compare benefit options and price in order to ensure your benefit program offers sufficient coverage at an acceptable cost to fit within your goals and budget.

Today, it’s not just about having health insurance coverage when you need it - it’s also about minimizing your need. Many of the insurance carriers we represent include in their product offerings, at no additional cost, services in order to encourage healthy living.  A couple of examples are exercise reward programs and discounts on gym memberships.  In addition, select insurance carriers also offer 24/7 access to nursing staff in order to provide support and education for members with chronic or complex health conditions or answers to more general health questions.

About Employer Group Life Insurance
Group Term Life insurance, along with Accidental Death & Dismemberment (AD&D) insurance, is one of the most common benefits offered by employers. Group term life insurance provides death benefit protection for owners and employees both on and off the job. Accidental Death and Dismemberment pays an additional death benefit in the event of the policyholder's accidental death, loss of eyesight, or dismemberment. These plans provide minimal employer cost with high employee satisfaction and protection.

Enhancing your Employee Benefit Program
Are you in a situation where employees are looking for a rich benefit program but your budget is limited?  NBT-Mang Insurance Agency provides for an enhanced benefit program that allows employers to offer more benefit choices that don’t affect your company’s employee benefits budget.  Voluntary plans are sponsored by the employer, but the premiums are paid 100% by the employee through the convenience of payroll deduction or electronic funds transfer.  Click here to learn more about our Workplace Insurance Program.

Protecting your Business
We know you recognize that it is important to protect the health and life of you and your employees, but have you considered what would happen to your business should you unexpectedly die or become disabled? NBT-Mang Insurance Agency helps you protect one of your most valuable assets, your business.  We meet with you to analyze your needs and then help find you insurance coverage that supports a business transition plan.  Businesses often create buy-sell agreements for this very reason and we provide the ability to fund the agreement with life and disability insurance. Many organizations also have a key person; key person insurance is simply life insurance taken out by a business to compensate that business for financial losses that would arise from the death or extended incapacity of an important member of the business. Executive bonus plans create a way to compensate and retain a key person essential to the business operation and profitability. Additionally, many businesses protect their debt with insurance protection.

Exclusive Products/Services offered to Businesses
As an NBT-Mang Insurance Agency client, the following products/services are available to you.

MyWave Resource Elements
We offer you a resource that provides a vast array of information about employee benefits and complex legislation – right at your fingertips. MyWave provides access to a comprehensive compliance section that includes topics such as Consolidated Omnibus Budget Reconciliation Act (COBRA), Health Insurance Portability and Accountability Act (HIPAA) privacy, Health Care Reform, Family Medical Leave Act (FMLA), etc. Within each topic, resources include legislative brief articles, questions and answers, forms, and quick reference links. To learn more about this benefit, click on the “MyWave” tab on the left or Click here.

Individual Coverage

Navigating the numerous options available in insurance products to provide for your family’s financial security, your child’s education, your retirement, and to ensure that your estate is preserved is a daunting task.  Let us help you find peace of mind and financial protection for now and in the future.  We will take the time to meet with you, analyze your needs, and then help find you coverage that is tailored to those needs. We represent many well-respected insurance carriers and offer a variety of options at an acceptable cost to fit within your personal goals and budget. 

Contact us today to see how we can help protect you and your family.  Simply click the Get a Quote tab on the left for information on requesting a quote or asking a question.

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