Individual Insurance for Business Owners & Executives
Group plans are designed for the average employee. They often leave gaps for owners and executives, particularly around disability income, long-term care, and life insurance with living benefits. A&C Management Group helps business owners and executives fill those gaps with individually owned coverage that stays with you regardless of what happens to the business.
Life Insurance
Term, whole, and universal life insurance, including policies with living benefits (chronic illness, critical illness, terminal illness riders). We evaluate the full market and recommend structures that match your personal and business planning objectives.
Disability Income Insurance
Individual disability income policies that protect your earnings if you're unable to work due to illness or injury. Particularly important for business owners whose income isn't covered by group disability plans.
Long-Term Care Insurance
Standalone and hybrid life/LTC products that protect your assets and give you control over your care options. We advise on the trade-offs between traditional LTC and hybrid products honestly.
Supplemental Coverage
Critical illness, hospital indemnity, and accident insurance that pays cash benefits directly to you, independent of your major medical coverage.
Individual Health Insurance
For individual health insurance, we work with a trusted partner who specializes in this market. We'll connect you with them directly and stay involved to make sure you're pointed in the right direction. ACA marketplace plans, short-term plans, and other individual options all have different trade-offs, and you deserve guidance that's honest about which one fits your situation.
States We Serve for Individual Insurance
A&C Management holds direct insurance licenses in New York, Connecticut, Colorado, Florida, Georgia, Massachusetts, Maryland, New Jersey, New Mexico, Pennsylvania, South Carolina, Tennessee, Virginia, and Vermont.
Frequently Asked Questions
- Why would a business owner need individual insurance on top of a group plan?
- Group plans are designed for the average employee. They often leave gaps for owners and executives, particularly around disability income, long-term care, and life insurance with living benefits. Individual policies fill those gaps and stay with you regardless of what happens to the business.
- What types of individual insurance does A&C handle?
- Life insurance (term, whole, universal - including living benefits), disability income, long-term care, and supplemental coverages like critical illness and hospital indemnity. For individual health insurance and personal lines, we have trusted specialist partners we can refer you to.