Types of Plans

  • Executive Deferred Compensation Plans.  These plans are used to provide retirement benefits for key and highly-compensated employees. They are not subject to nondiscrimination requirements and are popular with firms looking to provide extra for there management group or owners.

  • Zermatt Life/Health Insurance Trust. The Zermatt Life/Health Insurance Trust is an aggregation of single-employer welfare benefit plans funded through a multiple-employer group insurance trust.  It provides death benefits and health reimbursement benefits to employees of adopting employers and their dependents and beneficiaries.

  • Pension Rescue Program. An employer who sponsors a pension plan can arrange for a pension settlement annuity policy either by shopping the market, or by entering into a captive insurance arrangement.  The insurance company potentially obtains higher investment returns through its investment account, either currently or through a contractual guarantee.  This provides a potential for: (i) eliminating or reducing shortfall; (ii) moves shortfall from employer's balance sheet to footnotes relative to contingent liabilities; (iii) a potential higher investment returns, and (iv) minimization or elimination of increasing pension liabilities.

  • Retiree Medical Plan. Health reimbursement accounts provide funds for payment or reimbursement of uncovered, out-of-pocket expenses after retirement, including: (i) co-pays; (ii) co-insurance amounts; (iii) deductibles, and (iv) uncovered expenses.  These are similar to health savings accounts but are funded by the employer.

  • Section 125 (Cafeteria) Plans. This type of plan allows employees to pay employee portion of medical insurance, group life contributions, 401(k) plan contributions, uncovered expenses, and child and dependent care expenses with pre-tax dollars.

Offered Through Affiliate

  • Captive Insurance Solutions.  Zermatt Insurance Group, Inc. provides consulting and management services with respect to captive insurance arrangements.

  • Charitable Gift Annuities.  Zermatt Insurance Group, Inc. provides partially tax-deductible annuities which provide a lifetime income to the donor and a benefit to the charity of the donor's choice.