Companies

Executive Compensation

Pfleger Financial's expertise in this area of executive compensation is directly linked to our commitment to offer our company clients the finest quality of innovative financial solutions, and of our association with a highly experienced group of financial professionals.

PFG focuses on explicitly designed plans that have the highest potential to meet and exceed the needs of both your company and your executives by balancing and maximizing your company's investments and designing affordable benefit programs valuable to your company and your top executives.

Such plans include:

  • Executive Bonus Plans (Section 162 Plans)
  • Split Dollar Plans
  • Supplemental Executive Retirement Plans (SERP)
  • Corporate Owned Life Insurance (COLI)
  • Bank Owned Life Insurance Plans (BOLI)

At PFG, we work closely with your company’s tax, legal and accounting advisors, and have immediate access to a stream of highly developed proprietary products designed to be financially efficient, and take into account tax liabilities, legal issues, and accounting considerations.

Employer Paid Group Benefits

Pfleger Financial offers extensive expertise and management depth in the areas of group life, health, and disability insurance. PFG has access to some of the most competitive life insurance products in the industry and custom tailored, reliable plans that are cost effective, comprehensive, and of value to your employees.

We focus on companies with 50 to 2000 employees, and work closely with management in the planning, implementation and administration of:

  • Group Health Insurance Plans
  • Group Term Life Insurance Plans
  • Group Disability Plans
  • Group Long Term Care Plans

Pfleger Financial provides a pool of dedicated resources assigned specifically to manage your company's group plans. Our chief advisory team and client service & support team provide professional and timely assistance in the areas of:

Initial Analysis

  • Analyze group census and run multiple scenarios.
  • Perform due care analysis of multiple insurance carriers.
  • Provide analysis of alternative forms of coverages (HMO, POS, PPO).
  • Make recommendations based on the best available plans.

Installation Services

  • Provide assistance at employee meetings to explain all benefits.
  • Insure that the information booklets accurately depict the benefits.
  • Provide step-by-step understanding of claims procedures.
  • Assist in establishing day-to-day procedures with the carriers.

Ongoing Services

  • Intercede and troubleshoot with regards to claims, billing and administrative issues. Our client service &
    support team takes advantage of the strong relationships that have developed with the carriers to insure
    prompt and proper service.
  • Monitor plans and make plan change recommendations.
  • Provide legislative updates and information on compliance issues that may affect benefits.

Renewal Analysis

  • Review annual carrier performance (claims experience, reserving, retention).
  • Analyze projections and re-rates.
  • Provide assistance in pricing any proposed plan changes.
  • Secure and compare quotations on alternative options.
  • Make recommendations based on best available plans for renewals.

Company Sponsored Benefit Plans

For highly compensated executives, the core group benefit plans offered by their employers may often prove to be insufficient to provide adequate coverage for their disability, retirement or survivor needs.

As a result, many employers are seeking effective ways to supplement their executives’ group coverage plans by offering them the choice to add individual policies that work in conjunction with their group benefit plans. These Voluntary Programs add a great value to an executive’s benefit package at no additional cost to the employer.

Pfleger Financial has had years of experience in developing custom tailored benefit plans that will enable companies to offer supplemental benefits to their executives at a more affordable cost than what they could obtain through individually acquired products.

These benefits include:

  • Permanent Life Insurance Plans
  • Executive Long Term Disability Plans
  • Long Term Care Plans

Our Voluntary Programs offer the following advantages:

  • Affordable Pricing - Company Sponsored Voluntary Programs offer executives the same discount rates of their group benefit plans.
  • Convenient Enrollment - The Guaranteed Issue provision of group plans is extended to the Voluntary Programs (i.e., medical underwriting is not required).
  • Portability - Individual policies are the property of the executives and are carried with them over the course of their careers.
  • Product Confidence - Executives are assured that the products used have been thoroughly exposed to the process of due care to identify the most effective and reliable solutions.
  • Easy Access to Information - Executives can benefit from the online services provided as part of PFG’s plans which offer personalized ready access to their latest plan values and details. Our benefits online services are provided by OnlineBenefits.