Colonial Life / Plan for Life is a non-captive carrier. We are the 2nd largest voluntary benefits provider in the U. S. & a subsidiary of UNUM, a fortune 300 company. We consult & advise small businesses, corporations as well as public entities. In 1955, we pioneered worksite benefits via payroll deduction & offer an array of options when designing a plan. We do not charge the business/company for our plan. At times we also partner/appoint with other carriers who offer Health/Dental/Vision options so we can deliver a comprehensive A-Z plan. This includes the worksite market, communication of benefits, multi-state enrollments, & working with companies by combining a variety of benefits on a pre-tax basis. This allows my business/corporate clients to attract & retain key employees by offering enhanced benefits at "no cost to the company." This includes the implementation of consumer-driven healthcare programs including plan design, benefits communication, 1-on-1 counseling, core benefit enrollments of existing providers & an emphasis on customer service/client retention. Benefits Options for Groups: Disability Dental Hospital Confinement (medical gap) Personal Accident Critical Illness Cancer Term Life Universal Life Whole Life Section 125 pre-taxing of Benefits BROKER FOCUS: Brokers recognize the solid reputation Colonial Life has built. In the last nine years, Colonial Life has earned 36 top honors in the Readers’ Choice Awards. Brokers recognize our expertise in areas such as consumer-driven products, health care reform, innovation, ease of doing business, etc.

FlexxBuy:• Is a multi-lender financing platform for businesses designed specifically to serve all customers for all credit situations proven to create increased profit margins of up to 40% by reaching clientele with FICO scores as low as 590.FlexLife:• High-interest rate strategies with principle protection for businesses, individuals and families designed to provide guaranteed tax-free living benefits, income for mid-life situations and retirement planning income that cannot be outlived.FlexCharge:• Is a merchant services pipeline for businesses designed to eliminate 3rd party fees & provide hi-tech, in-house account management to reduce costs, streamline processes, and increase profit margins.FlexBenefits:• Benefits portfolio strategies with product comparison analysis on medical and supplemental cost savings for small and large corporations to attract, retain, and educate loyal employees while ensuring efficiency, quality, and flexibility that will generate long lasting relationships.

Recruited back to Econoco from Lawrence Metal Producs by Barry Rosenberg, CEO to help them develop dormant business and build new relationships with retailers. Successful at reinstating relationships with clients that had not been doing business with Econoco/MONDO. Built alliances and partnerships with top retailers and small up and coming customers. Quick to learn, embrace and communicate the large product mix and present it to prospective and existing customers. Effective at opening doors to new clients to determine if we were a good fit for their needs.Clients included Victoria's Secret, Performance Bike, Travel Traders, Publix, Greg Norman, Whole Foods, Totes/Isotoner

Started Apple Real Estate Group as a real estate company specializing in investment sales. Developed partnerships with major builders/developers to secure primary buy positions for investor clients netting them strong profits on the buy and again on the resale. Grew business to 8 real estate professionals in 2 years with seven figure sales. Co-hosted ReMax Real Estate Radio including notable guests as reputable developers, real estate attorneys and accountants. Transitioned business to successful rental and property management company utilizing property management team allowing me to become a silent partner and ultimately selling out my position.

Worked closely with Mona Daugherbaugh, Broker running office operations to learn real estate business while studying and preparing to sit for real estate exam. After receiving license quickly learned how to handle all aspects of real estate business and procuring clients for listings and property sales. Negotiated with clients and streamlined the sales process for the them navigating the from beginning through closing.

Increased sales for existing customers and opened doors to new and dormant clients building strong partnerships with them. Delivered and maintained largest client for Mondo Mannequins Division. Helped launch company custom project design program by presenting the needs of major retailers then working closely with the client delivering 1 of the first large scale major roll outs of combined materials in company history. Watched market to enhance client product offerings while managing the needs of my customers.Clients included Burlington Coat Factory, Beall's Department Stores, Spencer Gifts, Sport's Authority, The Body Shops, Cato, Belk, NEXCEN and NEXCOM