Products & Services

• Administration Services
• Health Insurance
• COBRA
• Life Insurance
• Disability Insurance
• Federal Health

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Life Insurance

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.

At Frates Benefit Administrators we have a complete portfolio of products whether you are buying an Individual plan, Employer provided group Life and Accidental Death, or voluntary Worksite products. For Individuals and Business Owners our Life Insurance Consultants will provide guidance in what type of product best fits your needs:

Term Life Insurance is designed to protect temporary needs and is also an affordable alternative in purchasing large amounts of insurance. It fits well for:

• Mortgage Protection
• Children’s Education
• Collateral assignments
• Short term debt

Permanent insurance provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis. Unlike term insurance, a permanent insurance policy will remain in force for as long as you continue to pay your premiums. Let us help you to decide if you need Whole Life, Universal Life or Variable Life for:

• Estate Planning
• Key Man Insurance
• Buy sell arrangements
• Supplementary retirement Income continuation for your family

Employers provide a valuable service when they include Basic Employer Paid Life Insurance and Accidental Death to their portfolio of products. Many times for working America this is the only life insurance a family has. Frates Benefit Administrators represents only the leading Group Life and Accidental Death insurance carriers and work closely with you to understand the combined goal of providing quality products at an affordable competitive rate.

Worksite Products are a valuable offering to your employees. An opportunity to have access to the Life Insurance & AD&D thru the work place with the convenience of payroll deductions is a necessary and popular benefit with employees. Many times it is there primary access to financial products. We have Benefit Specialist with the experience to offer these products to your employees in a non-aggressive educational setting.