Business

FCBT Financial Services, LLC, offers a full range of insurance and investment products and services to meet your needs. We will work with you to complete a comprehensive plan that addresses your company's long-term goals and short-term objectives.

Group Insurance Programs

Health

Business owners want their companies to be successful. In order to recruit and retain high-quality employees, many business owners offer group health insurance coverage as an employee benefit. Premiums paid by businesses are tax deductible and are nontaxable income to employees. Our group health insurance plans protect your company and employees from high financial exposure from common accidents or illnesses.

Health Savings Account (HSA)

Health savings accounts pay for qualified medical expenses on a tax-free basis and grow through investment earnings. Contributions to an HSA may be made pre-tax up to certain annual limits, and unused funds remain in the account from year to year and accrue interest tax-free. If employees change jobs or retire, the plan goes with them.

Disability

Disability insurance allows you to protect your employees’ most valuable asset—their income. A disability policy provides income to offset the financial losses that arise when employees are unable to work due to injury or illness. We offer a variety of short- and long-term group disability plans for coverage on and off the job.

Dental

We can help achieve and maintain good dental health with one of our affordable dental care insurance products.

Retirement Programs

401(k)

401(k) plans create a secure retirement and enhance your company’s business reputation while retaining and recruiting employees. They provide contributions and earnings that are tax-deferred. You only pay taxes when money is withdrawn.

Business Continuation Programs

Buy-Sell Strategies

Buy-sell strategies help small businesses plan for the transfer of ownership upon death, disability or retirement. Buy-sell strategies guarantee a fair price, guarantee a buyer, determine the value and create liquidity.

Key Person Insurance

If your company depends on a few "key people" to generate a large portion of the company's revenue, then key person insurance is for you. Key person insurance helps companies survive the blow of losing the person who makes the business work, giving companies the ability to recover financially while continuing to operate after key people are gone.