FJM & Associates of Buffalo, Inc.

It has now been over a year since Allstate Benefits (AB) left NYS, ceasing all new sales of Voluntary Benefits and transferring Administrative items such as Billing and Claims to Wilton Re. For the most part, this has been a relatively seamless transition, with many of the original AB servicing team still handling things out of Jacksonville, Fl.
 
Of course, FJM & Associates will continue to be your Servicing Agents for your AB and any other programs we have introduced over the years.  As always, we are only an email or phone call away any time you have questions or need assistance.

Clearly, though, the events of the past few years have served to reinforce the Financial Burden which may be created by Co-Pays, 
Deductibles, Direct and Indirect Out-of-Pocket Costs, Lost Wages or Final Expenses. These items were never intended to be covered by Major Medical Insurance, a product which evolved to assure that Doctors, Hospitals and Medical Facilities would be paid on your behalf in the event treatment for an illness or injury.  

Voluntary and Supplemental Insurance programs, however, were designed specifically to play a major role in offsetting these expenses.  These unique programs provide Pre-Arranged, Cash-Dollar Payments directly to you (based on specific events or treatments), that may be used anyway you see fit.  

For many folks, these benefits function as a type of Financial Lifesaver, providing an urgently needed influx of cash to cover daily living expenses.  However, since no two people and/or their families have the same Personal or Financial needs, effective Communication and Education on the selection and use of these programs is extremely important.

That’s why we, along with most other Insurance and Financial Professionals, recommend taking a few minutes to review existing and available programs at least once a year.  This will help to assure that your Protection Portfolio accurately reflects your current risk profile with the least amount of impact to your disposable income.

Although we can no longer offer Voluntary Insurance Benefits through Allstate Benefits (NY), we know from our extensive experience in this sector that our clients need and want these valuable types of programs.  So last Summer we began the intense process of reviewing and vetting carriers in the Voluntary and Supplemental Insurance market.   

Our primary goal was to find a carrier with programs which met or exceeded the high standards of Coverage, Customer Service and Affordable Premiums that FJM & Associates holds all of our Insurance Providers to. Based on our research and evaluation, we are pleased to announce that we have selected Colonial Voluntary Benefits (CVB) as our primary carrier for ​these programs.

Colonial Voluntary Benefits offers a variety of programs that are some of the best in the Industry.  Over the past year, we introduced these products into dozens of our existing accounts and experienced a great deal of success.  (Actually, in a vast majority of cases, our clients were able to either augment their existing AB programs or replace them with better, more affordable products from CVB.)
 
To learn more about the CVB programs, please select any image below for information on that specific product.  Then, if you are interested in potentially adding any of them to your existing Benefits Portfolio, kindly select the ‘More Info’ button to return to this page, complete the brief form at the top, then select the 'Contact FJM & Assoc.'  button.

Someone from our team of Benefit Specialists will reach out to you to schedule either an in-person or virtual appointment to review the CVB programs, discuss how they can work alongside your current offerings and decide the best way to introduce them to your employees.

​FJM & ASSOCIATES of BUFFALO INC thanks you for your business and we are look forward to being Your First Choice for Insurance and Employee Benefits for many years to come.

​(Select any one of the graphics below to see a brief outline of the CVB product.)


If you have questions or need assistance regarding any of the existing programs that FJM & Associates currently services for you and your company, please complete the 'Client Services Request' form below and select 'Submit'. 

     FJM - Client Services Request