Licensed with the Massachusetts Public Exchange: MA Health Connector
White glove service with a personal touch
Since 1995 Universal Benefit Plans (UBP) has been committed to bringing our clients the very best combination of products and services to meet and exceed their needs. We bring employers direct cost savings by showing them the best ways to reduce premium costs. We do this by conducting full-fledged market analyses of benefit plan options taking into consideration employer demographics, budgetary needs, goals and corporate culture and investigating ways to implement them. Many of our services are continuously tailored to fit the needs of each and every client, but one thing always stays the same: our personal touch.
Edan Barshan, LTCFP
Edan Barshan, Founder and President of UBP has been providing employee benefit brokerage and consultancy services for 20 years.
Licensed with the Massachusetts Health Connector, UBP brings employers direct cost savings by showing them the best ways to reduce premium costs. Through the process of Benefit Plan Optimization, UBP custom creates benefit packages to maximize demographic, coverage and budgetary needs.
A leader in innovative technology use for benefits administration, UBP uses HR360 suite of products to save employers time and money in HR & benefit administration as well as keeping clients compliant with ACA by consistently communication all pertinent new state and federal regulations from an employer standpoint to ensure proper plan usage.
Tom Connolly, CLU, CHFC
Tom has had 30 years of experience in the Insurance Industry and has specific expertise in saving employers resources with the use of the Affordable Care Act (MassHealth). Individuals may not be aware that they can get assistance in the form of premium tax credits to reduce the cost of the Health care. Several employees can continue to keep the group health insurance and if they have children under the age of 19 they may qualify for premium assistance. Universal benefits can provide a review to make sure that you are implementing for both the benefit of the company and the well being of the employee.
In addition to saving health premiums we can review Medicare supplemental plans and assist with the transition of COBRA along with assisting individuals for their retirement needs in regard to Medicare planning. Tom can review medications being taken and recommend the most cost effective options available.
An Independent Advantage
We are Independent Agents in Boston, Massachusetts, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Universal Benefit Plans Inc. represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.
What is an Independent Insurance Agent?
When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!
The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy — you wouldn’t have a choice. The only solution would be going to that one company.
With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.
An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.
When you buy insurance, whether it’s for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it’s up to you to make the final choice.