AYG Insurance and Financial Services

About Us

AYG Insurance and Financial Services is a full-service insurance and financial solutions provider, proudly setting the Gold Standard in delivering affordable, customized coverage that adds real value — at no cost to businesses or employees. Our mission is to simplify insurance, provide easy access to care, and equip clients with the tools and knowledge to build lasting financial security. At AYG, we don't just offer insurance — We lay the foundation for long-term prosperity.

We specialize in helping businesses elevate their employee benefits package with a comprehensive suite of voluntary benefits, including:
- Accident insurance
- Life insurance
- Short-term and long-term disability insurance
- Critical illness coverage
- Hospital indemnity plans
- Virtual urgent care
- Virtual dental services
- Prescription programs
- Mental health counseling
- Financial counseling
- And more — all at no net cost to the business or employees.

Key Benefits for Your Business:
- Enhanced employee benefits without increasing company expenses
- Guaranteed-issue benefits - no medical underwriting required
- Significant payroll tax savings through compliant program structuring
- Reduced workers’ compensation premiums
- Increased employee satisfaction and retention
- Simple integration with existing health plans - no plan replacement or disruption needed
- Strengthened recruitment advantage in a competitive labor market

Our program ensures that employees automatically qualify for benefits, removing barriers to participation. By leveraging strategic tax savings and cost-neutral structures, businesses can realize measurable financial gains while providing stronger support to their workforce.

Ready to enhance your benefits and drive real savings?

We invite you to schedule a complimentary, no-obligation presentation to see how seamlessly our program can work for you - enhancing employee offerings, saving money, and positioning your business for future success.