JAGDIRECT
EMPLOYEE HEALTH INSURANCE & BENEFIT SERVICES NATIONWIDE
© 2005- 2007 JAGDirect; jag insurance & benefit services; all rights reserved.
Average Employee
Gross  Monthly Salary:

Estimate Employee
State & Federal Tax Rate:

Average Employee
Post-Tax Expenses:

Number of Pay-rolled
Employees:

Monthly Employer
Total FICA Savings:
          Current                              New

Gross Monthly Salary:                    $3,000                                 $3,000
Section 125 - Cafeteria Plan:
               $0                                    $300
Taxable Monthly Salary:                 $3,000                                $2,700
State & Federal Tax @ 28%              $840                                    $756
FICA Tax @ 7.65%:                              $230                                    $207
Gross Take Home Pay:                   $1,931                                $1,737
After Tax Expenses:                           $300                                        $0
Equal Net Take Home Pay:             $1,931                                $1,737

Monthly Employee Increase
in Net Pay Received:
                                                                        $106
$3,000
28%
10
$230
$300
WORKPLACE EXAMPLE:
Average Employee Paycheck Analysis
Section 125 Cafeteria Plans
Strategic Planning & Workplace Solutions  

JAGDIRECT Strategic Planning is constantly striving to provide benefit solutions for our
customers.  With a considerable portion of operating budgets going toward
employee related
expenses
, it seems logical to look for ways to lower costs.  Business today view cost
containment as an important  key to their success.  Our commitment to finding
workplace
solutions
through employee-funded benefits, coupled with benefit communication services,
has grown our list of satisfied customers far and beyond what we had projected.

Employee funded benefits,
conveniently payroll deducted, are popular because they include
streamlined underwriting and portability.  And added incentive is the appreciations extended to
employers
by employees who see their insurance needs being met.
Welcome to JAGDIRECT!
WORKPLACE SOLUTIONS
Problem
The rising cost of employee funded benefits has resulted in a corresponding increase in the
employees' contribution

Solution
JAGD-provided Section 125 documentation and communication implements a discounting effect
on
qualifying employee contributions.  Other customized feature, including Flexible Spending
Accounts
(FSA's) and dependent child care, increase the tax  savings to the employer and
employee.
Problem
Overall incidence of life insurance ownership among households has dropped, from 62% to 55%
from 1984 to 1992.  In the lowest income segment, 4 in 10 own
individual life insurance.*

Solutions
JAGD has an extensive assortment of life insurance plans and riders available for the employee,
spouse and children.  Two programs,
Simplified Issue and Contingent Issue, make the
application process simple and efficient.  51% of employees surveyed prefer to purchase life
insurance through
payroll deduction.*

*LIMRA International, Inc., Operational Issues, 1995.

Problem
The demographics in the workplace have changed significantly in the last 20 yrs.  The benefit
needs are varied and are not being completely served by
"blanket" group coverage's.

Solution
JAGD provides one of the broadest insurance portfolios in the industry.  The program can be
customized with the additions of riders and
levels of coverage.  A benefit review at employer and
employee levels will result in the proper program being recommended to fill coverage gaps and
exposures.
Life/Annuities
  • Universal life

  • Single Premium Annuities

  • Preferred Risk Term

  • Flexible Premium Annuities

  • Joint & Last Survivor

  • Group Voluntary Term Life and
    AD&D
Plus
    Term Life Riders for
    spouse and children, plus
    long term care, future
    purchase option, critical
    illness, primary insured
    term, decreasing term,
    accidental death, disability
    income, disability premium
    waiver and living benefit
    riders.
Health
    * Disability Income * Hospital Indemnity -
    Supplemental Health Options Policy (SHOP) *
    Accident * Long Term Care * Home Health Care *
    Cancer/Specified Disease with optional Cancer
    Treatment Rider * Intensive Care coverage option
    with Cancer and Heart/Stroke Products *
    Heart/Stroke with optional Cancer Initial
    Diagnosis Rider * Group Voluntary LTD and STD. *
    Group Voluntary Cancer * AHL minimedical
    Limited Benefit Plan      
Problem
JAG
DIRECT Resources department continue to be burdened by the ever-increasing demands
of legal compliance.  The departments are spread thin and find
benefit communications and
enrollment processes more cumbersome than ever.

Solution
JAGD Workplace system provides paper-less enrollment capabilities.  Core benefit
communications can be conducted through this system.  A separate benefit communication can
be produced which
creates an awareness among employees of non-salaried benefits and
provides documentation for
Human Services audits and Personnel records.
    A recent U.S. Chamber of Commerce Study states that employers are spending an average of 38% in addition to payroll for
    benefits.**  Professional communication of this fact will improve employee understanding and appreciation of benefits.  
    This can lead to greater productivity, decreased employee turnover and greater job satisfaction.  * The enrollment system
    can communicate this in a summary format.  * Expanded enrollment systems can actually enroll core benefits.  * A separate
    benefit statement can be produced by our Fringe Facts System.

** U.S. Chamber of Commerce, Employee Benefits Report, 1994.
BENEFIT COMMUNICATIONS
PRODUCT SUMMARY
Problem
Maximization of tax advantage in regard to Pension and Retirement Plans.  Tax leverage benefits
for the highly-compensated appears more complicated than ever.

Solution
The need for financial security is shared by employers and employees alike.  JAGD provides
financial solutions from the lunchroom to the boardroom. Discriminatory Plans and Tax
Leveraged Plans
are available to provide solutions for the company and highly-compensated.
    We offer assistance to business for succession planning and personal life insurance planning.  
    Funding concepts include:  Group Carve Out * Salary Continuation * Deferred Compensation *
    Executive Restricted Access Plan * Corporate Planning / Buy-Sell Fundings.
EXECUTIVE PROGRAMS
AT
JAGDIRECT

We offer a wide array of life
insurance products that can
protect your business from
the death of an owner or a
key employee.  We can work
with you to help assure that
your business remains
financially secure and that a
smooth transition of control
and ownership takes place.

Our Services Include:

Auto & Motorcycle Insurance

Home Owners Insurance  

Major Medical Insurance  

Property and Casualty

Insurance   Products  Life
Insurance and Annuities  

Long-Term Care Insurance  
Cancer, Accident and
Disability Insurance

Protection  Banking
Products & Services


All these services are
available to you and your
business employees.  With
the one of the Nation's  
Leading Insurance Company
we're able to provide you the
best Insurance Products
Nationwide.
Click above on the
Insurance Product you're
thinking of to get started.   
Car Insurance
Coverage Options

Depending on your situation,
your car insurance coverage
needs will vary. Whether
you're buying a new car or
adding your teenager to your
car insurance policy,
JAGDIRECT has auto
insurance coverage
options
that can help provide the
liability, property and injury
protections
that are right for
you. And, if you drive a safe car
or if your teenager has good
grades, you may even
qualify
for our auto insurance
discounts.
click here for further details