Business Details
46 Years
experience
Your Trusted Insurance Partner in Northbrook, IL
Since 1980, Total Benefit Services has dedicated itself to delivering customized health insurance solutions, prioritizing personalized client relationships and competitive pricing strategies. Our expertise spans major medical programs, health savings accounts, and retirement planning vehicles, supported by a proven track record of navigating complex regulatory environments. With decades of experience, we combine industry knowledge with tailored service to address individual and group insurance needs.Our commitment to excellence is demonstrated through proactive client education, meticulous attention to policy details, and advocacy in securing coverage approvals. We maintain long-term partnerships by consistently aligning our services with evolving client requirements while upholding the highest standards of professional integrity.
Services
Health Insurance
Life Insurance
Retirement Planning
Medicare Supplements
Disability Insurance
HSA Administration
Long Term Care
Investment Planning
Details
- Year established: 1980
Highlights and features
- We offer 40+ years of experience in health and retirement insurance planning
- Our team provides personalized service with deep understanding of ACA regulations
- We implement tailored cost-saving strategies for individual and group policies
- Our expertise includes navigating complex insurance approvals and denials
- We maintain long-term client relationships through transparent communication
What people say
Personalized service
Cost-effective strategies
Regulatory expertise
Prompt support
Trusted advisor
Services
Health Insurance
We provide comprehensive health insurance solutions including major medical programs, HSAs, and FSAs. Our experts help clients navigate ACA compliance while securing optimal coverage for individual and group needs. With personalized plan comparisons and ongoing support, we ensure clients receive maximum value while maintaining regulatory compliance through strategic policy implementation.
Life Insurance
Our life insurance services include term and permanent policy options tailored to financial protection needs. We help clients establish coverage amounts that ensure family security while considering tax advantages and long-term planning benefits. Through careful assessment of individual circumstances, we implement policies that align with both immediate protection goals and estate planning objectives.
Retirement Planning
We offer retirement planning solutions featuring 401(k), SEP IRA, and pension plans. Our approach combines risk assessment with investment vehicle selection to create sustainable income strategies. By analyzing current financial status and future goals, we develop customized plans that maximize tax advantages while ensuring long-term financial security through disciplined investment management.
Long Term Care
Our long term care insurance solutions address personal and custodial care needs across various settings. We help clients select policies that cover activities of daily living with customizable benefit structures. Through comprehensive needs assessments, we implement coverage that protects assets while providing flexibility in care delivery options, ensuring dignity and financial security during extended care requirements.
Disability Insurance
We provide disability insurance policies that replace income during work inability periods. Our offerings include short and long term options with customizable waiting periods and benefit durations. By analyzing occupational risks and financial obligations, we create coverage plans that maintain financial stability while incorporating premium optimization strategies based on individual risk profiles.
People
Randal Sable
President
With over 40 years in insurance services, Randal Sable specializes in customized benefits solutions. His expertise includes ACA compliance, cost containment strategies, and personalized policy implementation. He maintains long-term client relationships through proactive communication and advocacy in coverage approvals, ensuring clients receive optimal insurance solutions tailored to evolving needs.
Questions
What types of insurance plans do you offer?
We provide health, life, disability, long term care, and Medicare supplement insurance plans alongside retirement investment solutions tailored to individual and business needs.
How do you help clients save on insurance costs?
We implement HSAs, FSAs, and customized plan comparisons while leveraging our industry relationships to secure competitive pricing and cost-effective coverage structures.
Do you specialize in small business insurance?
Yes, we focus on creating affordable, comprehensive benefits packages for small businesses including ACA-compliant plans and retirement investment options.
How do you handle insurance claim denials?
We advocate for clients by challenging unjustified denials, providing documentation support, and working directly with insurers to secure approved coverage as outlined in policy terms.
What retirement planning services do you offer?
We provide 401(k), SEP IRA, SIMPLE, and pension plan solutions with personalized investment strategies to maximize tax advantages and long-term financial security.
