Products and Solutions

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 50 states and has national account management expertise.

Health and Welfare Benefits

  • Health Insurance
  • Insured and Self-Funded Plans
  • Prescription Drug
  • GAP Medical
  • Dental
  • Vision
  • Life and AD&D
  • Short Term Disability
  • Long Term Disability
  • Voluntary Benefit Plans
  • Long-Term Care
  • Business Travel Accident
  • Critical Illness Insurance
  • Limited Benefit Accident and Sickness Insurance
  • Stop Loss & Reinsurance
  • COBRA Administration
  • Health Reimbursement Arrangements (HRA)
  • Health Savings Accounts (HSA)
  • Medical Expense Reimbursement Plans (MERP) (Section 105 IRS)
  • Flexible Spending Account Administrator (FSA)
  • Employee Assistance Programs (EAP)
  • ERISA Document Services
  • ACA Compliance (Health Reform)

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 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

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*
    • IRAs
  • Estate and Gift
  • Education

*Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC to residents of PA, NY, NJ and DC. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Howell are not affiliated.

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