Employee Benefits

Offering employees healthcare is among the most crucial benefits. While some benefits may seem like pleasant extras, healthcare is often viewed by employees as an integral component of the compensation package—arguably as significant as the salary itself. Investing in group health insurance is a cost-effective strategy for your business to attract and retain staff, enhancing the likelihood that they'll remain healthy and productive. Coverage options extend from employees alone to encompassing dependents. Depending on the chosen plan, your business can opt to cover only the employees or extend coverage to their families and financial dependents. Moreover, your company has the flexibility to decide whether to cover the entire premium cost or share it with the employees.

Determining Coverage Costs:
The expenses related to group health insurance hinge on factors such as your business location, the number of employees you wish to cover, and their age.

Impact of the Affordable Care Act on Group Health Insurance:
Since the implementation of the Affordable Care Act, the medical history and pre-existing conditions of employees are no longer considered. With group health insurance, where risk is pooled, the cost per employee for your business is typically lower than what they would pay individually.

Tax Advantages for Employers:
Group health insurance brings tax benefits, with employer premiums being fully tax-deductible. Small businesses may also qualify for a tax credit, covering up to half of the premium costs. Considering Offering Group Health Insurance to Your Employees? Explore your options with us. We can assist you in making informed decisions.

SAVING MONEY on employee benefits is a must in today’s economy. The cost of providing benefits is rising significantly, while employees consistently seek more and more from their benefits packages. Many employers struggle to balance employee needs with their own capabilities and bottom lines. Helping you meet these divergent objectives is our specialty.

For years, SVJ Insurance Advisors Inc. has been providing insurance and employee benefits consulting services to the business community. Built upon a tradition of integrity, industry leadership, and excellence, we are committed to delivering tailored benefit solutions with thoughtful strategic planning, valuable professional services, and technology-based solutions.

Our Specialties

Our staff of experienced benefits professionals can develop benefits programs that make sense for your company and your employees. We have specialists in all lines of employee benefits, with the experience and know-how to keep your programs running smoothly and your employees happy.

We specialize in a wide variety of plans and lines of coverage, including:

  • Insured & self-funded health plans
  • Group Life Insurance
  • AD&D
  • Dental plans
  • 401 (k) Plans
  • Benefits Consulting
  • Vision plans
  • HRA Solutions
  • Voluntary Benefits
  • Short & Long Term Disability
  • Shop Plans



Using advanced technology and consulting expertise, we provide a variety of value-added professional services to our clients. These services reduce customer costs, increase efficiency, and improve employee satisfaction – bringing your employee benefits programs to new heights in quality and performance.


We pride ourselves on the level of knowledge and service we bring to our clients. Each client works with a single point of contact, making working with us seamless and easy.


We will develop a customized strategic plan for you that defines your objectives and outlines the actions needed to fulfill those objectives. Our strategic planning services ensure an organized, complete approach to fulfilling your benefits needs.