Howell's primary objective is to maximize every employer’s benefit investment. We offer a wide range of customizable solutions. Howell is licensed in multiple states and has national account management capabilities.
Some of the products and solutions listed below are available on a fully insured, self insured or Administrative Services Only (ASO) basis:
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Health and Welfare Benefit Planning
Health (PPO, HMO, Comprehensive Major Medical and Consumer Directed Health Plans)
Prescription Drugs
Dental
Vision
Life
Short Term Disability
Long Term Disability
Voluntary Benefit Plans
Long-Term Care
Business Travel Accident
Critical Illness Insurance
Limited Benefit Accident and Sickness Insurance Plans
Stop Loss & Reinsurance
COBRA Administration
Health Reimbursement Arrangement(HRA)
Health Savings Account (HSA)
Medical Expense Reimbursement Plan (MERP) (Section 105 IRS)
Flexible Spending Account (FSA)
Employee Assistance Programs (EAP)
Personal Financial Planning
Fee-Based*
Retirement Planning
Estate and Gift Tax Planning
College Education Planning
Investments*
Separately Managed Accounts
Mutual Funds
Variable Annuities
Brokerage CDs
Insurance
Life Insurance
Disability Insurance
Long-Term Care Insurance
Fixed Annuities
Retirement Planning
Individual IRAs
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Pension and Profit Sharing Planning
401(k)
403(b)
412(e)(3)
Defined Benefit Pension
Deferred Compensation
Supplemental Executive Retirement Planning (SERP)
Simple IRAs
SEP IRAs
Business Financial Planning
Fee-Based
Business Succession Planning
Deferred Compensation Planning
Supplemental Executive Retirement Planning (SERP)
Investments
Separately Managed Accounts
Mutual Funds
Insurance
Buy-Sell Life Insurance
Key Person Life Insurance
Corporate Owned Life Insurance (COLI)
Long Term Care Insurance
Executive Disability Insurance Carve-Out Plans
Retirement Planning
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*Securities and Investment advisory services are offered through registered representatives and investment advisory representatives of Tower Square Securities, Inc. (TSS) Member FINRA/ SIPC. Howell Benefit Services is a separate entity from TSS.
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