Affordable Benefits for Small Teams & Independent Pros
Get accident, hospital, disability, life, and more—without big-company prices.
Ensure your business thrives with flexible, customized Group Benefits designed for your team’s needs.
Comprehensive Coverage
Provide health, retirement, and wellness options to meet diverse employee needs.
Attract and Retain Talent
Stand out by offering benefits that 49% of U.S. employees prioritize over higher pay.
Affordable and Scalable
Plans tailored to fit businesses of any size, ensuring cost-effectiveness and growth.
Start building a workplace employees love by offering Group Benefits that matter.
What Are
Group Benefits?
Group Benefits provide health, retirement, and wellness solutions, including insurance, 401(k)s, and mental health support, fostering satisfaction, loyalty, and productivity while reducing turnover and keeping businesses competitive.
Small Business Owners
Offer More. Spend $0. Keep Your Team Longer.
* Add voluntary benefits at no direct cost to your business
* Accident, Hospital, Cancer, Critical Illness, Disability, Life
* Easy payroll or direct pay; low admin
Offer competitive benefits that promote employee well-being, retention, and productivity.
Take the first step toward building a better workplace with Group Benefits today!
Independent Contractors
Big Benefits—Without a Big Company
Guaranteed-issue options (no medical exams on select plans)
Hospital, Accident, Critical Illness, Disability, Life
AFEUSA membership perks: Education, telehealth, dental/vision discounts & more
Take the first step toward building a better workplace with Group Benefits today!
Why Do You Need Group Benefits?
Group Benefits offer a unique way to support your employees while strengthening your business.
Here are key reasons to consider them:
Employee Satisfaction
Comprehensive benefits boost loyalty, engagement, and productivity by 12%.
Financial Security
Health and retirement benefits ease financial stress, enhancing focus and peace of mind.
Cost Savings
Strong benefits retain top talent, reducing turnover and saving on recruitment and training costs.
Competitive Advantage
Attract top talent and stay ahead of competitors with standout benefits.
Enhanced Productivity
Employees with strong benefits feel valued, driving focus, motivation, and efficiency.
Why Choose Us?
Ensure your business thrives with flexible, customized Group Benefits designed for your team’s needs.
Comprehensive Coverage
Provide health, retirement, and wellness options to meet diverse employee needs.
Attract and Retain Talent
Stand out by offering benefits that 49% of U.S. employees prioritize over higher pay.
Affordable and Scalable
Plans tailored to fit businesses of any size, ensuring cost-effectiveness and growth.
Start building a workplace employees love by offering Group Benefits that matter.
How It Works
Using Group Benefits is simple and effective for supporting your team. Here’s how to get started:
1. Request a Consultation
Share your business goals, and we’ll design a custom benefits package tailored to your team’s needs.
2. Choose Your Benefits
Select from health insurance, 401(k) plans, wellness options, and more to create a plan that fits your budget.
3. Support Your Team
Offer competitive benefits that promote employee well-being, retention, and productivity.
Take the first step toward building a better workplace with Group Benefits today!
Why Do You
Need Group Benefits?
Group Benefits offer a unique way to support your employees while strengthening your business.
Here are key reasons to consider them:
Employee Satisfaction
Comprehensive benefits boost loyalty, engagement, and productivity by 12%.
Financial Security
Health and retirement benefits ease financial stress, enhancing focus and peace of mind.
Cost Savings
Strong benefits retain top talent, reducing turnover and saving on recruitment and training costs.
Competitive Advantage
Attract top talent and stay ahead of competitors with standout benefits.
Enhanced Productivity
Employees with strong benefits feel valued, driving focus, motivation, and efficiency.
More Info
Important Questions
Can I offer these benefits if I’m a small business with just a few employees?
Yes! In fact, these plans are perfect for businesses with as few as 2 employees. You can offer them at no direct cost to your business — employees choose what they want and pay for it themselves.
Can independent contractors get coverage too?
Absolutely. Through AFEUSA membership and select supplemental plans, independent contractors can access group rates, guaranteed-issue coverage, and perks like telehealth, dental and vision discounts, and more.
Do I need a medical exam to qualify?
Most plans — especially the guaranteed-issue options — require no medical exams or health questions. A few plans may ask basic health history to help match you with the right coverage.
How quickly does coverage start?
In many cases, coverage begins the day after approval. Some membership perks (like telehealth or discounts) can start immediately.
How do I get started?
It’s simple: Book a 15-minute call with me, Tonia, and we’ll talk through your needs. I’ll give you options, answer your questions, and handle the setup — whether you’re an individual, contractor, or employer.
More Info
Important Questions
Is Offering Group Benefits Right for My Business?
Yes! Group Benefits are ideal for businesses seeking to attract skilled talent and improve workforce morale. Customizable plans allow you to match the unique needs of your team while managing costs effectively.
How Much Should I Budget for Group Benefits?
Costs vary depending on the size of your team and the level of coverage you select. Studies show that 82% of employees say a good benefits package impacts their decision to stay at a company.
Can I Offer Benefits to Part-Time Employees?
Yes, many plans offer flexible options for part-time team members, ensuring inclusivity and support for your entire workforce.
What Types of Benefits Have the Most Impact?
Health insurance, retirement savings, and wellness programs are highly valued by U.S. employees, with 49% prioritizing benefits over pay. Offering these can significantly improve satisfaction and retention.
How do I Sign Up?
Schedule a consultation to customize a Group Benefits plan for your team and get started quickly. We'll guide you every step of the way.
Looking for a First-Class Group Benefits Consultant?
Looking for a First-Class Group Benefits Consultant?
Tonia Financial and Insurance is committed to serving you at the highest level with all your Group Benefits needs. “Products and availability vary by state. This page provides general information and is not a guarantee of coverage. Full details provided during consultation.”
National Producer Number: 21285198
Company
Directories
Legal
Tonia Financial and Insurance is committed to serving you at the highest level with all your Group Benefits needs.
National Producer Number: 21285198
Company
Directories
Legal