Life and Group Health Insurance with Mainline Insurance

Planning for Your Business and Employees

Small business owners have a lot on their plate, from managing employees to keeping customers happy. One thing that should not be overlooked, however, is life and group health insurance. Offering these benefits keeps employees happy and healthy and can increase employee loyalty and retention. At the same time, small business owners may wonder about the cost and logistics of implementing such programs.

David Merritt is a licensed insurance agent with Mainline Insurance Services, Inc. He has been in the insurance industry for the past 30 years. He specializes in Group Health, Life and Disability Insurance. We asked him a few questions regarding Group Health, Life and Disability Insurance. Here is what he had to say:

Group Health Insurance – Top Questions & Answers

  1. How many people does it take to form a group for health insurance? 2 or more.

  2. What is the best plan for me and my business? We will show you several options and guide you to the best plan for your company.

  3. How do we qualify?  No one is ever rejected; however, the health companies require 25%

participation of the eligible employees (excused employees are those covered by their parents, spouses, state exchange, or Covered California).

  1. What will it cost? Based upon the insurance company, with wide differences from one carrier to the next, and consideration of the services offered. Some HMOs are very expensive, as well as comprehensive PPO plans (Preferred Provider Options).

  2. What doctors are available? Can my wife’s doctor be on the plan?  A particular doctor can often be found in one of the numerous networks offered.

  3. What do you need from me to get a quote? A list of the employees to be covered with their ages, plus any spouse or children to be covered and their ages.

  4. What if we are out of the area? Does my group health insurance cover me? Yes, for any and all emergencies, but not for routine visits.

Life Insurance – Top Questions & Answers

  1. What does life insurance cost? The cost is based on your health and how much coverage you wish to have.

  2. Are there different types of life insurance? Yes, three main types, #1 Term Insurance (good for a number of years, tO,20,30,35, 4011,#2 Universal Life Insurance, and #3 Whole Life Insurance.

  3. Which type is best for me and my family? Most often, Universal Life is the best choice as it has features that allow one to change the benefits, but term insurance is better if you only need coverage for a certain period of time, and it is the least expensive.

  4. Will the insurance build values? The term insurance does not, whereas Universal Life and Whole Life does.

  5. How do I qualify for life insurance? An exam is scheduled. Namely, a blood and urine sample is taken, and health questions are asked. The company may ask for your medical records from your doctor.

  6. Must I pay the premiums as long as I have the insurance? With term insurance, yes. However, Universal Life and Whole Life have options that allow you to pay for a specific number of years and then stop paying. The policy will have values that pay the premiums into the future.


Life and group health insurance are vital for small business owners. It not only provides essential coverage for its employees but also safeguards the business itself. To navigate the complexities of insurance options, seeking guidance from an expert is highly recommended. David Merritt, a seasoned professional at Mainline Insurance, is here to assist and tailor insurance solutions to meet the unique needs of small business owners. Contact him today to secure a better future for your business and its employees.

Get the HEALTH INSURANCE coverage you need

For the most effective and streamlined process in acquiring Group and Life Health Insurance for you and your employees, it is highly recommended to consult with expert David Merritt at Mainline Insurance. David possesses the extensive knowledge and experience necessary to address any inquiries you may have, and he will ensure that you are provided with a policy that perfectly aligns with the needs of your team and your financial resources. With David’s assistance, you can confidently navigate the complexities of insurance and secure the best possible coverage. Schedule your consultation today.

Let Mainline Insurance help give you peace of mind as you go about working hard. 

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