About Us
Personalized Service
At Triage Insurance Solutions, We’re Here to Empower Your Future
At Triage, we’re not just about selling insurance – we’re about understanding your unique needs and helping you build a secure future. We know that for Black families and entrepreneurs, financial security is more than just a goal; it’s a pathway to generational wealth, economic independence, and breaking systemic barriers.
In a time when Black-owned businesses are growing at an impressive rate—more than 100,000 new Black-owned businesses were created in 2020 alone—we believe that securing your financial foundation is the first step toward lasting success. Whether you’re an entrepreneur or building a legacy for your family, we’re committed to helping you find the right insurance solutions that align with your financial aspirations.
Understanding Your Family’s Needs
Before we suggest any solutions, we take the time to understand where you are, where you want to go, and what your loved ones might need. Understanding your finances is key to selecting the right life insurance and annuities that will protect your family’s future while creating opportunities for wealth accumulation.
Here’s how we break it down:
- Your age and health—Along with your family’s health needs, we factor in any concerns related to the higher health disparities that disproportionately impact Black Americans.
- The right amount of coverage—Ensuring that your policy provides financial security for your family without leaving you overextended.
- Policy preferences—Whether you need the flexibility of term life insurance or the lifetime protection of whole life insurance.
- Budget considerations—We’ll help you select a plan that meets both your protection and financial planning goals.
Our expert brokers will guide you through this process, ensuring you have the right coverage to protect your family and business.
Creating Stronger Communities Through Entrepreneurship
At Triage, we understand the profound impact that entrepreneurship has on building generational wealth and stronger communities. According to the National Bureau of Economic Research, Black-owned businesses have the potential to generate an estimated $5 trillion in economic activity by 2025—yet they face unique hurdles, including limited access to capital, systemic inequalities, and the burden of wealth gaps.
This is why we focus on providing not just insurance, but also financial education and support. We help families and entrepreneurs:
- Budget and track spending—so you can save smarter and make confident financial choices.
- Start and grow your own business—giving you the tools to take control of your financial future.
- Invest for the future—teaching the value of investing to grow wealth over time.
Our aim is simple: to equip you with the knowledge and resources to build a lasting legacy and pass down wealth to future generations.
Why Choose a SHOP Plan for Your Business?
As a small business owner, you’re focused on growing your business and taking care of your employees. One of the most important ways to do that is by offering health insurance coverage that supports both the well-being of your team and the success of your business. That’s where the SHOP (Small Business Health Options Program) plan comes in.
What is a SHOP Plan?
SHOP plans are health insurance options specifically designed for small businesses with 1 to 50 employees. They offer affordable coverage through the Health Insurance Marketplace and provide the flexibility and benefits you need to attract and retain top talent while keeping your business budget in check.
Why Choose a SHOP Plan for Your Business?
- Affordable Group Coverage: SHOP plans allow you to offer health insurance to your employees at competitive rates. As a small business, pooling together with other businesses can help lower premiums, making health coverage more affordable for both you and your employees. Many SHOP plans also come with potential tax credits to further reduce your costs—up to 50% of your contribution toward premiums for qualifying businesses.
- Flexibility in Plan Options: With SHOP plans, you can offer multiple health insurance options to your employees, so they can choose a plan that best fits their needs. This flexibility ensures you’re catering to the diverse needs of your workforce, while still keeping the costs manageable for your business.
- Tax Incentives for Your Business: If your business has fewer than 25 full-time employees and pays average wages below a certain threshold, you may qualify for the Small Business Health Care Tax Credit. This credit helps you offset the cost of premiums, making it even easier for you to offer quality health coverage without breaking your budget.
- Simple Enrollment Process: SHOP plans streamline the enrollment process for you and your employees. The system is easy to navigate, and we can assist you every step of the way to ensure that your team gets the coverage they need. Whether you want to offer just health insurance or include dental and vision coverage, SHOP plans provide a straightforward solution.
- Attract and Retain Top Talent: Offering health insurance through a SHOP plan can be a significant factor in attracting skilled workers and retaining them long-term. Healthcare benefits are highly valued by employees, and having a robust benefits package can set your business apart in a competitive job market. Happy, healthy employees are more productive, which directly contributes to the overall success of your business.
- Compliance Made Easy: As a small business owner, staying compliant with the Affordable Care Act (ACA) and other regulations can be complicated. SHOP plans are ACA-compliant by default, meaning they meet the federal standards for health coverage and help you avoid any potential penalties. We’ll guide you through the process and ensure that your business stays on track.
How Can I Get Started with SHOP Plans?
As a licensed broker, I’m here to simplify the process for you. Together, we’ll review your business’s needs, assess your employee demographics, and determine the right SHOP plan options for you. I’ll help you navigate eligibility requirements, explore available plans, and apply for any tax credits you may qualify for. Once you’ve chosen a plan, I’ll assist with enrollment and provide ongoing support, ensuring your team has access to the best possible care.
Ready to Secure Your Business’s Future?
Offering health insurance through SHOP plans is not just about providing coverage—it’s an investment in the health and stability of your business. By offering affordable, flexible health insurance, you’re taking a critical step in building a strong foundation for your business and showing your employees that you value their health and well-being.
Let’s talk today about how a SHOP plan can help your small business thrive.
Insurance Options That Work for You
Whether you’re protecting your family or preparing for retirement, Triage Insurance Solutions offers a variety of insurance and annuity options tailored to your needs:
- Term Life Insurance: Affordable coverage for a specific period, like 20 or 30 years, ideal for families on a budget.
- Whole Life Insurance: Provides lifelong coverage and builds cash value, a solid choice for long-term financial planning.
- Universal Life Insurance: Flexible coverage that allows you to adjust your premiums and death benefit as your needs change.
- Annuities: Guaranteed retirement income that provides financial stability in your later years.
- Health Insurance: Comprehensive coverage to protect you and your family from unexpected medical expenses, especially important as Black Americans face health disparities, including higher rates of chronic conditions and lower life expectancy.