Core Capabilities


With SFG’s Core Capabilities Backing You, You’re Ready for Anything!

Managing your insurance needs demands a creative, disciplined approach that establishes a carefully conceived competitive plan that’s expertly administered, financially well managed, and compliant with an increasingly intricate jumble of national and local regulations.

Long Term Care Planning

Long Term Care can be the largest unfunded liability for most people today. A long term care event can be devastating emotionally and financially. Proper planning can mitigate the “human currency” and actual dollars spent. One useful tool we incorporate in our analysis is the “LTC Economic Impact Planning Model.”  This state-of-the-art tool will determine the economic impact of LTC costs and help you decide how much of the monetary risk (if any) you want to retain.

Life Insurance Policy Review

The main goal of our life insurance policy review, is to help ensure that your previously purchased policies continue to perform as intended. Skipped or overlooked premium payments, reduced interest rates, and increased mortality and administrative costs, can cause policies to lapse and death benefits to vanish prematurely. We’ll explore various alternatives for reducing premiums, increasing coverage (at no additional cost) as well as retaining the status quo.

Healthcare Claim Audit and Dependent Verification

Our strategic business partners have developed proprietary technology platforms that deliver significant cost savings to you. All services are completed efficiently, effectively and in a timely manner without changing your plan design.

Strategically Customized Planning Modules

We’ll help you create a customized, integrated benefit plan that clearly defines your goals. This includes an action plan to initiate these objectives with continuous monitoring of the plan to help ensure it’s effectiveness.


We use state-of-the-art technology to communicate our concepts to any size employer groups and their employees. Employees and their dependents can be enrolled into available benefit options via traditional paper/hard copy enrollment, online enrollment, or a combination of both.

All-Star Service Commitment

We can make your life easier because our experienced customer service professionals know how to cut through the maze of red tape inherent in the insurance industry. Our customer service team has worked within the walls of the insurance companies we represent and can efficiently navigate to the proper departments. We’ll spend as much time as needed to intercede with your employees’ health care providers to explain benefit adjudication and billing discrepancies so you won’t be diverted from your primary responsibilities.

Renewal Negotiations

Review proposed renewal of plan(s), implement market search to validate the plan pricing and contract language competitiveness.

HR Assistance

We have the ability to link our clients with up-to-date employee relationship tools. This help’s maintain a current library of human resources materials. The list of topics available includes, but is not limited to: Privacy in the workplace, ERISA, FMLA, and ADA.