Our Firm

Our Industry experience, carrier relationships, negotiating power, innovative ideas and special approved compliance and benefit programs/services which are provided free or with a nominal charge, will surely benefit you. 

We annually review your current benefit structure and mesh this with your company’s culture to help drive your growth and profitably. Once we weigh the full scope of your risk, we will then design a benefit program to address cost containment, employee satisfaction, vendor issues, regulatory compliance and productivity. When your employees receive a quality benefits package everyone wins, including your bottom line.

Employee Benefits:

We specialize in employee benefits and Human Resource solutions. We see the entire picture and are able to implement the details of your programs in coordination with your many needs. We are insurance brokers, able to provide both insured and tax saving programs with a  non-biased view. You are our client. We answer to you and not to any carrier. Our resources and clout provide you the competitive benefit costs. We provide you customer service with dedicated staff, HR administrative help, Federal COBRA compliance and many more programs from within and through our alliances. Our internet site provides access to information and forms necessary for all HR departments. We will provide you an internet site for your employees to view their benefits, options, costs, claims, articles, financial calculators and much more. Visit us at www.kfgltd.com.

Benefits Analysis and Strategic Planning:

We provide short and long-term strategic planning so you are not forced to make disruptive changes each year. The process of reducing, controlling and maintaining plan costs starts with a thorough analysis of your current benefits deficiencies. By aggressively negotiating with carriers, we are able to obtain the most comprehensive coverage at the most favorable rate. We present several options that contain both traditional and non-traditional recommendations as well as the pros and cons of each option.

Customized Practical Benefits:

We will help you understand the myriad of alternatives so that the program selected is suited for your company’s culture and employee satisfaction. Buying power and carrier relationships go hand in hand to assure you the exceptional benefit results.

Voluntary Benefits:

Employee benefit costs are rising and it has become more challenging for HR professionals to enhance benefit programs to retain and attract employees. By providing voluntary benefits to your employees you will be at the forefront of your competition. KFG will help you analyze your employee’s needs and develop a customized voluntary benefits program.

We Negotiate Extremely Competitive Premium Rates For You:

We are experts in the employee benefits market, and fold your goals and budget into the many complex alternatives. We know how to “tweak” the alternatives for your benefit. We are independent thinkers and we only answer to you.  Every year, every renewal, we review your account.

Program Design and Services Include:

  • Medical                                                          
  • Dental and Vision
  • Life / AD&D
  • Disability; Short Term and/or Long Term
  • Voluntary Benefits
    • Life with guaranteed issue, no medical exam
    • Auto
    • Catastrophic (ie Cancer, Heart etc.)
    • Legal Plans
    • Long Term Care
    • Re-Insurance if necessary
  • Online / Internet Based 
    • Administrative Services
    • Invoice Administration
    • Adding and deleting participants
  • Claims Resolution Services
  • Insured Medical Reimbursement Plan, where available
  • Finding benefit alternatives for all Groups
  • Executive Benefit Plan Compensation 
  • Section 125 and 105 Plans
  • Employee Assistance Programs