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Redefining Employee Benefits to Build a Better Tomorrow

Take control of your health plan. Offer sustainable health benefits. Become an employer of choice with an unrivaled benefits package.

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Learn About Deacon & Deacon Insurance & Benefits Consulting

At Deacon & Deacon Insurance & Benefits Consulting, we don’t just help you navigate the complex world of healthcare and employee benefit plans, we are on a mission to change the industry for good with transparency, technology, and proven solutions that allow you to lower costs for your business and your employees. As an employer, you want to provide the best for your employees. But that’s become challenging in an industry with increasing complexity and costs, which is why we exist.

We are an independent firm based in Charleston, WV, and work with medium to large-size employers. We innovate and implement custom benefit programs and place both your company’s needs and budget and your employee’s health and well-being at the forefront. We specialize in maximizing your savings and helping you reinvest to improve the quality of your plan through our proven solutions backed by Health Rosetta. That means lower expenses for your staff and higher employee satisfaction. Contact us to learn more about how we can help you get on a sustainable path and improve your benefits.

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Affiliations - Health Rosetta CCP

We Are a Certified Health Rosetta Advisor

Certified advisors are already equipped with the skills and experience to carry out the mutual mission to fix healthcare. Advisors work with three goals in mind—reducing costs to employers, enhancing the quality of benefits to employees, and increasing satisfaction all around.

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The Solution to Your Insurance Needs

Deacon & Deacon Insurance & Benefits Consulting offers a variety of employee benefits, personal insurance, and business insurance  solutions to help you protect what matters most.

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An Independent Broker Gives You Options

We proudly represent Aetna, Cigna, Highmark, and more!

Employee Benefits
Group Health Insurance
Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.


Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance
Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.


A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.


Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

Group Dental Coverage
Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.


Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.


Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.


Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?


A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

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Advantages of an Independent Broker

What makes us different?

We offer a wide variety of insurance solutions.

We are accessible in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

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Already a client of Deacon & Deacon Insurance & Benefits Consulting? Visit our Service Center to review your policy or report a claim.

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