Howell's primary objective is to maximize every employer's benefit investment. We offer a wide range of customizable solutions and benefit strategies. 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 Benefits
- Health Insurance (PPO, HMO, Comprehensive Major Medical and Consumer Directed Health Insurance 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)
- ERISA Document Services
Individual Financial Services
- Investments*
- Separately Managed Accounts
- Mutual Funds
- Variable Annuities
- Brokerage CDs
- Insurance
- Life Insurance
- Disability Insurance
- Long-Term Care Insurance
- Fixed Annuities
- Retirement
- Estate and Gift
- Education
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Pension and Profit Sharing Planning
- 401(k)
- 403(b)
- 412(e)(3)
- Defined Benefit Pensiion
- Deferred Compensation
- Supplemental Executive Retirement Planning (SERP)
- Simple IRAs
- SEP IRAs
Business Financial Services
- Investments
- Separately Managed Accounts
- Mutual Funds
- Brokerage CDs
- 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
- Deferred Compensation Planning / Supplemental Executive Retirement Planning (SERP)
- Other Retirement Solutions
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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.
