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INDIVIDUAL FIXED PRODUCT DIVISION

GP Agency has spent 58 years building something most brokerages can’t offer true market independence. Licensed in 49 states and Puerto Rico, we are not tied to any single carrier, which means every recommendation starts with what’s right for you, not what’s profitable for us. Our Individual Fixed Products division coordinates life insurance, annuities, short- and long-term disability, long-term care, and property and casualty insurance into one cohesive strategy ensuring your coverage works together instead of in silos.
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  • Annuity
  • You've spent decades building your retirement savings. The wrong annuity structure can quietly erode through hidden fees, surrender penalties, and products designed to benefit the advisor more than the client. We work differently. We compare options across the full carrier marketplace, align your annuity strategy with your broader retirement income picture, and show you exactly what you are paying and why.
  • Disability
  • Here's what most people don't calculate: whatever you earn, your future earning potential is likely your largest unprotected asset. An injury or illness doesn't just stop your paycheck, it drains savings, disrupts your family, and compounds fast. We build disability coverage around your income and risk profile, comparing options across carriers to find protection that's comprehensive without being overpriced.
  • Property & Casualty Summary
  • You already manage enough risk running your business, your insurance shouldn't add to it. We use industry benchmarking and data driven to identify gaps in your current coverage, then work across the carrier market to close them with solutions built around how your business operates. Workers' compensation, general liability, auto, product liability, excess coverage structured and priced by competitive analysis, not by rubberstamping your last renewal.
  • Long-Term Care Insurance
  • The average cost of a private room in a nursing facility exceeds $100,000 per year, and Medicare doesn't cover most long-term care. It's the math that catches families off guard every day. We help you get ahead of it with coverage that fits your budget and plugs into your broader financial plan, so the cost of care doesn't undo everything you built.
  • Life Insurance
  • Nobody wants to think about it, but the gap between what your family needs financially and what they'd have without you that's the number that matters. We don't hand you a quote and hope it fits. We analyze what's at stake, shop across carriers with no allegiance to any single one, and match you with the right structure: term, whole, universal, or a combination all built around your family's real financial exposure.
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RETIREMENT & WEALTH PLANNING

  • Executive & Key Person Benefits Summary
  • Recruiting and retaining top talent requires prioritizing your executive team and highly compensated individuals. GP Agency partners with companies to evaluate and design executive benefit programs that incorporate tax-optimized planning, benefit restoration strategies, and solutions that protect the long-term strategy of the business.
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HEALTH MANAGEMENT PLANS

You have already done the hard work; you built a benefits package, selected your carriers, and ensured your employees have coverage; this matters. But even the strongest benefits packages can leave a gap in coverage. GP Agency’s Health Management plans are designed to close those gaps. These plans do not replace your existing coverage; they enhance it.
Our Health Efficiency plans sit directly on top of what you already offer and add a comprehensive, pre-tax enhancement that includes preventive care tools, wellness resources, prescription savings program, and meaningful financial value. In many cases these programs may be available at no net cost to both the employer and employee.

Think of it this way.
Your group health plan is the cupcake. These plans are the frosting that make what you already have better, without changing a single ingredient underneath.

  • Capstone Advantage
  • Your health plan covers what happens after someone gets sick. Capstone Advantage takes care of the before. It is an indemnity based, tax efficiency program that adds accident medical coverage, best- in- class tele-health, no-cost prescriptions, and the full Wellution app directly on top of your existing group coverage. The Capstone Advantage plan may be available at no net cost to the employer or employee.
  • Capstone Select
  • You’ve invested in a group health plan. Capstone Select makes that investment work harder. It’s an IRS Section 125 pretax benefit that adds a comprehensive preventive health layer of telehealth, wellness tools, and proactive health management directly on top of your existing coverage. Everything your employees already have stays exactly as it is. Capstone Select simply adds more, and may be available at no net cost to the employer or employee.
  • Century Advantage
  • Century Advantage adds depth to the benefits package you have already built. It is an IRS Section 125 pretax plan that layers a comprehensive health management program and the full Wellution wellness platform on top of your existing group health coverage, no carrier changes, no plan disruptions, no new enrollment complexity. This program is at no Net Cost for the employer and employee.
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  • Kingston Advantage
  • Kingston Advantage builds on the foundation your group health plan already provides. It is an IRS Section 125 pretax program that adds comprehensive health management, a full wellness platform, and measurable financial value to your existing benefits structure without changing a single component of what your employees already have. The result may be available at no net cost to the employer or employee, and in most cases produces a net increase in take-home pay for enrolled participants.
  • What Gets Added to Your Plan
  • Full Wellution Wellness app access
  • Unlimited telehealth at $0 copay
  • 1,000+ prescriptions at no charge
  • Biometric health screening tools
  • Personalized health management and goals
  • Section 125 pretax structure
  • Kingston Select
  • Kingston Select adds a preventive health and wellness layer directly on top of your current group benefits, same plan, same carrier, same coverage your employees rely on today, with more built-in. A Section 125 pretax structure means the program may be available at no net cost, while generating employer payroll tax savings and delivering the Wellution wellness app to every enrolled employee.
  • What Gets Added to Your Plan
  • Full Wellution Wellness app access
  • Unlimited telehealth at $0 copay
  • 1,000+ prescriptions at no charge
  • Biometric health screening tools
  • Personalized health management and goals
  • Section 125 pretax structure
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