Total Benefits Solution
For Detailed Information Please Call 877-880-2580!
The TBS program is part of the broad service offerings to VGM members and is only offered to customers that do NOT have an insurance agent on their account. If you normally work with a local insurance agent, it is recommended that you work with your agent or have them contact VGM Insurance Services for additional information.
TBS (Total Benefits Solution) is a system designed to ensure that the needs of the employees and business executives are all met.
TBS is the best and most complete benefits package using top carriers and the most innovative products available. The TBS program offers a variety of options to fit every need and budget.
Contact our the benefits department today!
877-880-2580 or benefits@vgm.com
Executive Benefits:
- Transition planning
- Estate planning
- Business protection and planning
Retirement Plans:
- 401(k)
- Simple
- IRA
- Profit Sharing Plans
Supplemental Benefits:
- Life
- Dental
- Vision
- Disability
More to Consider:
Are you looking to attract and retain the best employees?
Studies show that benefits can be a leading decision maker for qualified candidates. With all the industry changes, are you attracting and retaining the best employees?
Are you and your employees saving enough for retirement?
According to the Employee Benefits Research Institute 2009 Retirement Confidence Survey, 53 percent of workers in the U.S. have less than $25,000 in total savings and investments. The typical American household (headed by a 43 year old) has just over $18,000 in savings. Considering the additional financial constraints on business owners and executives, these stats are even more frightening for this group.
Are you looking to leave your familyowned company to future generations?
- Less than one-third of businesses survive into the second generation
- 12 percent to the third
- 3 percent to the fourth generation
Source: Raymond Institute/MassMutual, American Family Business Survey, 2003
Employee benefit needs by the numbers
93% |
Of employer groups with six to 49 employees
offering dental benefits, 93% consider dental an essential or a differentiator in their employee benefit portfolio.1 |
One of
every two |
One of every two foreclosures is due to a disability.2 |
Just 47% |
Most employees are un- or under-insured: Just
47% of Americans have adequate life insurance protection.3 |
Only 29% |
Only 29% of employees in private industry had
access to vision care benefits.4 |
Three out
of four |
Three out of four employees haven’t had a financial analysis of life and disability insurance, retirement savings, savings goals, estate planning or education funding in the last three years.5 |
- Forrester Research, Inc., Dental Benefits Purchaser Preferences, 2005
- National Safety Council, Accident Facts, 2004
- Source: LIMRA International, U.S. Life Insurance Ownership Study, 2004
- National Compensation Survey 2005, United States Bureau of Labor Statistics http://www.bls.gov/ncs/ebs
- 2Q 2006 Principal Financial Well-being Index
Contact our benefits department today! 877-880-2580 or benefits@vgm.com
For Detailed Information Please Call 877-880-2580!
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