Our Products   Optimum Benefits, a full-service employee benefits brokerage, offers a wide array of products for both small and large companies: For Companies… Health Insurance Dental Insurance Life and AD&D Insurance Vision Insurance Disability Insurance (Long-Term and Short-Term) 401K and 403B Benefit Programs Profit-Sharing Programs Section 125 Planning / Flexible Spending Accounts Voluntary Plans COBRA Administration     Self-Funded Options:  Optimum Benefits also offers a self-funded option on some of the company products above.

For Executives… Buy-Sell Agreements Executive Bonus Plans Key-Person Protection Business Continuation Plans Split-Dollar Funding Keough Plans and SEPs Non-Qualified Retirement Plans Deferred Compensation Programs

For Individuals… Life Insurance Private Pension Plans Disability Income Pension Maximization Tax Planning Comprehensive Planning Estate Planning and Assessment Coordination