Benefits

Your Go-To Resource for Business & Personal Benefits
At Rafail Insurance Agency, we believe that protecting what matters most goes beyond the policies we write ourselves. Over the years, we’ve built trusted relationships with top brokers and industry experts who can provide additional coverage and benefits for our clients. While we don’t handle every type of policy directly, we make it a point to connect you with the right people—so you have access to the best options available in the market.

Think of us as your first call when you need coverage, advice, or guidance. Even if we’re not the ones issuing the policy, we’ll point you toward the solutions we’d recommend to our own family, giving you confidence that your business, investments, and future are in good hands.

  • We help businesses access competitive Group Health Insurance plans by connecting them with top health insurance brokers who shop the market for the best options. Our trusted partners compare multiple carriers to find plans that fit your company’s budget, employee needs, and long-term goals.

    While we don’t write group health policies directly, our role is to make the process easier and ensure you’re working with the right experts. By having this service on our site, we want you to think of us first when considering group health coverage—because protecting your team’s well-being is just as important as protecting your business.

  • Facilitates the smooth transition of bus the event of an owner's death, ensuring that remaining owners can buy out the deceased owner's share without financial strain.

  • At Rafail Insurance Agency, we offer comprehensive solutions that combine disability and long-term care insurance to protect your income and future. Disability insurance provides a financial safety net by replacing lost income if you're unable to work due to illness or injury, while long-term care insurance covers the cost of extended care services, such as in-home care, assisted living, or nursing homes. Together, these policies ensure that you and your loved ones are financially secure and prepared for life’s uncertainties. Partnering with top carriers, Rafail Insurance Agency delivers tailored coverage that brings peace of mind and stability for today and tomorrow.

  • Annuities are a powerful way to protect and grow your retirement income while offering peace of mind for the future. By carving out a portion of your inheritance or retirement savings, you can secure a guaranteed fixed rate of return or choose an option tied to a market index—both designed to provide tax-deferred growth and reliable income when you need it most.

    Through our access to top providers like Athene, Corbridge Financial, MassMutual Ascend, Pacific Life, and more, we can help you explore annuity products that fit your goals and risk tolerance. Whether you’re seeking steady income, market-linked growth potential, or long-term financial security, an annuity can be an important part of insuring your retirement.

    While we connect you with these products through trusted partners, our role is to guide you in understanding your options and choosing the path that’s right for you.