Business Details
Emergency
services
Your Trusted Partner for Comprehensive Financial Solutions
Ocean Sun Financial is a full-service investment and insurance brokerage dedicated to delivering tailored financial solutions for individuals and businesses. Our expertise lies in strategic asset management driven by tax efficiency, comprehensive financial planning, and customized group benefits programs designed to meet diverse client needs. We specialize in creating flexible, cost-effective group plans ranging from Extended Health & Dental to Modular Flex, ASO, and Spending Accounts, catering to executives and front-line staff alike. For individual clients, we offer a full spectrum of financial planning services, including wealth management, estate planning, life insurance, disability protection, and critical illness coverage, ensuring all aspects of financial security are addressed. Our corporate clients benefit from advanced tax and investment strategies that enhance performance and unlock opportunities in succession and estate planning.We also provide flexible emergency travel medical coverage with customizable options for high-risk activities or leisure travel. With solutions for businesses of all sizesfrom 1-2 person plans to 50+ flex planswe prioritize stability, guaranteed approval, and scalable benefits. Our team is committed to transparency, personalized service, and leveraging industry expertise to build long-term client trust. We operate with a client-centric philosophy, ensuring every solution aligns with individual goals and market dynamics. Our track record of innovation and dedication to continuous improvement solidifies our position as a trusted partner in financial advisory services.
Services
Group Benefits Plans
Financial Planning
Wealth Management
Life Insurance
Disability Protection
Critical Illness Coverage
Tax Strategies
Estate Planning
Travel Medical Coverage
Corporate Financial Solutions
Highlights and features
- We offer customized group benefits programs tailored for businesses of all sizes.
- Our tax-efficient investment strategies maximize client financial performance.
- We provide scalable coverage options from 1-2 person plans to 50+ flex plans.
- Our team specializes in ASO plans for self-insured health and dental benefits.
- We combine corporate financial planning with advanced estate and succession strategies.
Services
Group Benefits Plans
We design flexible group benefits programs tailored to business size and needs. Our offerings include Extended Health & Dental, Modular Flex, ASO, and Spending Accounts for teams ranging from 1-2 to 50+ employees. These plans provide stable rates, guaranteed approval, and scalable options to support business growth while ensuring comprehensive coverage for all staff levels.
Life Insurance
Our life insurance solutions help clients determine appropriate coverage based on liabilities, income, and family needs. Options include Term 10 and Term 20 policies, with considerations for mortgage, education savings, and funeral expenses. We prioritize cost-effective protection to secure financial futures for beneficiaries.
Disability Protection
We offer disability protection covering up to 75% of income with customizable waiting periods and benefit durations. Policies include 24-hour accident/sickness coverage and own occupation extensions for professionals. This service addresses the high risk of long-term disability, ensuring financial stability during unexpected income loss.
Critical Illness Coverage
Our critical illness policies provide lump sum benefits (up to $250,000) for 25 covered conditions, including cancer and heart attack. Options include Term 10, Term 20, and permanent policies with return-of-premium features. This coverage helps protect savings and supports recovery from life-threatening illnesses.
Tax Strategies
We implement tax-efficient investment strategies to enhance corporate and individual financial performance. These solutions focus on minimizing tax liabilities while maximizing growth opportunities, particularly for private corporations seeking succession planning and estate optimization.
Questions
What group benefits plans do you offer for small businesses?
We provide 3-10 plans with stable rates, guaranteed approval, and entry-level benefits for small businesses, ensuring easy management and quick implementation.
How do I determine the right life insurance coverage amount?
Consider liabilities, income replacement (8-10x salary), funeral expenses, and education savings. Our advisors help calculate optimal coverage based on your family's needs.
Do you offer disability protection for self-employed individuals?
Yes, we provide customizable disability policies covering up to 75% of income with flexible waiting periods and benefit durations for self-employed clients.
What critical illness coverage options are available?
We offer lump sum benefits ($25,000-$250,000) for 25 illnesses, including Term 10, Term 20, and permanent policies with return-of-premium features.
Can corporations benefit from your tax strategies?
Yes, private corporations can leverage our advanced tax and investment strategies to improve performance and unlock succession/estate planning opportunities.
Do you provide travel medical insurance with high-risk activity coverage?
Yes, we offer flexible emergency travel medical plans customizable for high-risk sports or leisure activities, ensuring comprehensive trip protection.
