BECAUSE YOUR COMPANY DOESN'T THRIVE ONLY ON PRODUCTIVITY AND PROFITS ALONE, WE ALSO HELP YOU OFFER SECURITY TO YOUR EMPLOYEES.

We realize an insurance product is only as good as the company behind it. So, to help consumers make intelligent decisions, various independent services rate insurers, each focusing on a distinct aspect of a company. Aver Business Management uses these ratings to ensure that we only affiliate with top AAA and A++ rated companies in the industry, guaranteeing you, our client, Financial Strength, Mutuality opportunities, and the ability to sleep at night.
 

	MEDICAL CARRIER HMO PPO POS GROUP SIZE Aetna 2-200 Blue Cross of California   2-200 Blue Cross 2-200 Employer’s Choice 2-200 HealthNet 2-200 Pac Advantage 2-200 PacifiCare 2-200 Blue Shield 2-200 Kaiser     2-200

	MEDICAL CARRIER DHMO PPO OTHER GROUP SIZE Blue Cross of California   2-200 Blue Cross   51-200 Delta Dental (HMO) FFS 5-99 Fortis (HMO) IND 3-200 Heath Net Dental and Vision VISION 2-200 Pac Advantage FFS 2-200 Smile Saver   2-200 Transamerica ——————INDEMNITY—————— 2-200 US Life American General   2-200

WORKERS COMPENSATION INSURANCE

With Aver the difference all boils down to superior service.

The difference between setting up your Workers Comp Insurance policy with Aver Business Management, as opposed to one offered by an insurance company is Service. As part of our services, Aver Business Management offers our customers a strong foundation for operating a safe, secure work environment through our safety training and safety inspections.

What does this mean to you— the employer?

	Reduces injuries and losses Reduces injuries and losses Reduced policy adjustments Reduced premium costs

We offer Workers’ Compensation focused on these ten industry groups:

	Agriculture Artisan contractors Automotive Food services Hotels/Motels Light manufacturing Printing Retailers Services providers Wholesalers/Distributors

RETIREMENT PLANNING

401k Solutions
Aver Business Management provides a comprehensive 401(K) plan solution coordinating activities to keep your plan running smoothly, saving you time and money. The Aver Business Management 401(K) program gives your employees the tools they need to focus on their future. At the same time, we remove much of the administrative burden by providing you with extensive 401(K) plan services. With Avers’ Business Management uncommon approach, you’ll be free to do what you do best, Focus on your Business.

Efficient…With Record Keeping That’s Accurate, Timely And Reliable.
From an employees initial enrollment to daily account updates and reconciliation of all accounts, we process and track all authorized transactions-for you and for your participants:

Compliance testing and reporting to help ensure your plan meets regulations for tax-qualification purposes.
Dedicated and Registered Client Service Representatives to answer your day to day questions.
Fund Diversification…
with objective investment services that works best for you and your participants. We know you want to give your employees broad diversity in their investment options. No problem, we offer you both pre-selected portfolios and a self-directed brokerage account options.

Simplified Employee Pension (SEP)
Looking for a way to you and your employees to prepare for retirement but without all the paperwork and expense associated with installing and administering a qualified plan? For the small business owner, the answer may be a Simplified Employee Pension, or SEP.

In a nutshell, a SEP is a tax-favored plan that permits and employer to make contributions on behalf of an employee to the employee’s SEP-Individual Retirement Account (IRA). It can be established by sole proprietorships, partnerships and corporations. SEPs are especially attractive to small business owners because they are simple to set up and maintain.

Focus on SEP Tax Advantages
The SEP’s simplicity is only partially responsible for its popularity. Tax advantages are also a key attraction and include:

Employer contributions to an employee’s SEP-IRA are deductible by the employer within certain limits.
Employer contributions are not currently taxed to the employee.
Earnings that accumulate in the account are tax-deferred until they are withdrawn by the employee.
This combination of tax advantages can help contribute, over time, towards meeting your retirement needs and those of your employees.

The Key Executive Bonus Plan
This plan is a tax deductible way for an employer to provide needed life insurance for key executives.

The employer pays premiums on life insurance owned by a selected executive, where premium payments are tax deductible by the employer and taxable to the Executive as a bonus. That employer or employee then has full control of the life insurance policy, depending on the setup.

Annuities
Annuities are flexible insurance contracts designed to provide income and help you achieve long-term savings goals. Much like a CD is a financial product offered by a bank, and Annuity is a long-term product offered by an insurance company. In essence, the same companies that offer Life Insurance products may also help you save for retirement.

After making a single lump-sum premium payment, or a series of periodic payments, individuals can then receive regular annuity payments from the insurance company. These payments can be made over a definite period of time, or they can last a lifetime.

Payments to the annuity owner can also be tailored to begin after a number of years, or they can begin immediately after the first premium payment is made.

Annuity owners even have the choice of receiving regular fixed interest rates (Better known as a “fixed” annuity), or having their annuities grow depending on the growth of underlying variables accounts (Referred to as a “variable” annuity).

Over time, insurance companies modified and enhanced both types of annuities; however, their basic premise has always remained the same. And because annuities are issued by an insurance company, Congress allows them to grow tax-deferred under current tax laws.

Buy-sell Agreement
This plan utilizes life insurance to affect the orderly change in the ownership of a Close corporation, Partnership or even a Sole Proprietorship (one way purchase) at the death of a stockholder, partner or sole proprietor. By creates a market for closely held business, it helps establish a price at which parties agree to buy and sell their business interest. This provides the money to fund the plan.