NG Employee Benefits Savings and Insurance (NGEB)

Employee Benefit & Savings Program


Thank you for the opportunity to present NGEB’s employee benefit program. As the designers and developers of this new approach to employee benefits, we believe this innovative plan to be one of the most forward-thinking and effective options available in the country today.

Within a highly competitive work environment, top-performing employees, at any level, are hard to recruit and retain. Whether your company is considering an initial employee benefit program or if your company already provides a benefit program, such as a 401(k), NGEB’s benefit program has been researched and developed to work within both of these settings.

NGEB’s benefit plan is a non ERISA employee benefit program that is able to combine an indexed, tax-advantaged savings element with universal life insurance (IULs).  Because savings are combined with universal life insurance, savings are allowed to grow tax-advantaged / tax-deferred under Internal Revenue Code 7702.  The savings component is indexed off indices such as the S&P 500 and provides a guaranteed base or floor of 0% with annual market gains subject to a cap.  IULs have returned between 10 – 15% seven of the last ten years.   With a guaranteed base or floor of 0%, NGEB’s IUL-based program provides an option for employees who would like save for the future without the risk.

Please find presented various summaries outlining NGEB’s benefit program.  As with any offering relating to employee benefits, there will be points of clarification that more than likely will be needed for each organization’s specific needs and interests. As a company, NG Employee Benefits Savings & Insurance strives to understand and respond to the needs and interests of our clients – first and always. Again, thank you for your consideration and we look forward to the opportunity of being of service and working with you soon.