Products and Services for Businesses
Employee Benefits
Employee benefits are non-wage compensation that employers provide to support their employees’ health, financial security, and overall well-being. These benefits often include health, dental, and vision insurance, life and disability coverage, and retirement plans like a 401(k).
Offering employee benefits helps businesses attract and retain quality employees, improve job satisfaction, and create a more stable, productive workplace. Depending on variables such as size of company, coverage of benefits, and types of benefits offered premiums can have a wide range. To get started call and we can provide you with information based on your needs.
Carriers we represent:
- Aetna
- Ameritas
- Beam
- Blue Cross of Idaho
- Delta Dental of Idaho
- Guardian
- Mountain Health Co-Op
- Nippon Life Benefits
- PacificSource
- Regence Blue Shield
- Reliance Standard
- Select Health
- St. Luke's Health Plan
- Sun Life
- United Healthcare
- United Heritage
Small Business Loan Life and DI insurance
Small business loan life insurance is used to help cover a business loan—such as an SBA loan—if the borrower passes away. The policy is typically structured so the loan can be paid off, helping protect the business, its partners, and the borrower’s family from financial burden. Depending on the needs of the business and borrower, coverage can be structured using term life, whole life, universal life, indexed universal life, or variable life insurance policies—each offering different levels of flexibility, duration, and potential cash value growth.
Small business disability insurance is designed to protect business owners and their companies if an illness or injury prevents them from working. This coverage can help replace lost income, fund buy-sell agreements, or cover ongoing business expenses such as rent, payroll, and utilities. By providing financial stability during a period of disability, these policies help ensure the business can continue operating and that both the owner and their family are protected from unexpected financial strain.
Business Overhead Expense
Business overhead expense coverage is designed to help keep your doors open by covering essential operating costs—such as rent, utilities, and payroll—if a disability prevents you from working.
Buy Sell Strategies
Buy-sell agreements are designed to help business owners transition ownership in the event of death, disability, or retirement, providing a clear plan that protects the business, its owners, and their families.
Key Person Strategies
Key person strategies combine employee retention and business protection by offering enhanced benefits to essential team members, while helping safeguard the company against financial disruption caused by the loss of a key employee due to death or disability.
Retirement Plans*
Simple IRA*
A SIMPLE IRA (Savings Incentive Match Plan for Employees) is a retirement plan designed for small businesses that allows both employers and employees to contribute. It’s easy to set up and maintain, making it a popular option for companies with fewer employees.
SEP IRA*
A SEP IRA (Simplified Employee Pension) is a retirement plan that allows employers to make contributions on behalf of their employees. Contributions are typically flexible and made solely by the employer, making it ideal for small businesses or self-employed individuals.
401(k)*
A 401(k) is a retirement savings plan that allows employees to contribute a portion of their paycheck on a pre-tax (or sometimes Roth) basis. Employers may also offer matching contributions, helping employees grow their retirement savings over time.
Profit Sharing*
A profit-sharing plan is a retirement plan that allows employers to contribute a portion of the company’s profits into employees’ retirement accounts. Contributions can vary year to year based on business performance.
Retirement plan options and eligibility may vary. Consult with a financial professional for details specific to your situation.
Proud Members of:
We do not offer every plan available in your area. Currently we represent 5 organizations which offer 20 products in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.
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* Scott Leavitt offers products and services using the following business names: Gem State Financial Group – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with Gem State Financial Group.
Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.