Health & Financial Services
Our agency offers a complete line of insurance
and financial products and services ranging from life and disability
income to group life and health insurance. These products and services
are designed to provide solutions to your personal and business
financial needs, including:
Employees have three medical options: Preferred Provider Organization
(PPO): allows employees to use any physician in or out of the network.
Benefits are paid in accordance with the provider selected.
Exclusive Provider Organization (EPO): employees choose their physician
from a list of approved EPO providers. This plan is offered nationwide
wherever EPO networks are available.
Our PPO and EPO plans are built around health care networks and
a high level of coverage for using network providers. There are no "gate
keepers." Therefore, primary care physicians and referrals to
specialists are not necessary. You have the freedom to choose any
physician in the network any time.
At Royal Brokerage, we are committed to health insurance
for both our commercial customers, who need group coverage for their
employees, as well as the individual or family that needs coverage.
With the changing face of health insurance in today's market, we
at Royal Brokerage are staying abreast of the latest developments
that will affect the coverage you expect as well as the cost impact
We have the best health insurance markets available in our area,
and we will always present to our customers the best options at the
best price available.
Individual health insurance programs are designed for individuals
and families who cannot obtain health insurance through an employer.
Due to the continually rising cost of medical care, it has become
more important to provide health insurance for you and your families.
Royal Brokerage offers health insurance programs to individuals
which offer extensive coverage as well as high-deductible programs
which are designed to protect against catastrophic financial losses.
Life insurance from Royal Brokerage can help you secure
your family's financial future by providing the funds they need to:
cover burial expenses, uninsured medical bills, pay off your mortgage
and other outstanding debts, and maintain a comfortable standard
Royal Brokerage offers a variety of life insurance products,
including permanent, term, variable, flexible and whole life policies.
Buy / Sell Protection
If you have a partner in business, you have a need for insurance
so that in the event of death or disability, you can buy out your
partners interest without having to take out a loan or liquidate
company assets. This is also important where children and taxes are
Key Person Coverage
Your key employees are your most valuable business asset. Their
skill, knowledge and experience are your real profit makers. Without
them, the success and growth of your business could be in jeopardy.
Key employee insurance is designed to protect your business from
the adversities associated with the loss of a key employee, manager
or executive. The death or disability of a key employee could result
in a substantial financial loss due to hiring and training a replacement,
lost sales, and/or slowed production.
Disability insurance replaces your income should you become disabled
and unable to work. Many people have some form of disability insurance
through their employer. The employers' policy may not provide for
all your needs. In this case, you will probably want to supplement
the employer's policy with an individual policy of your own that
you can take with you when changing employment.
Serving all of NY State including Suffolk,
Nassau, Queens, Bronx, Brooklyn, Manhattan, New York,
all of Long Island, and the following towns: