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Groton, CT insurance

About Morin Associates

Morin Associates LLC is an independently-owned agency specializing in Life and Health Insurance for individuals and businesses. We are dedicated to providing each of our clients the benefit of years of experience in the industry.

Established in 1984, Morin Associates, LLC is an independent insurance brokerage firm based in Groton. As an employee benefits organization, our primary focus is to create innovative and cost effective benefit solutions based on customer needs. This includes specially designed plans and products, superior customer service, communication and marketing materials, consulting, unique value-added services and administrative service placement for employer groups of all sizes.

With over 900 accounts throughout the Northeast, the firm manages a multi-million dollar clientele with a seasoned staff of 9 employees and 25 brokers. Our team has a wealth of experience in both the public and private sector, and has demonstrated outstanding skill in managing our wholesale partners and human resource services.

Because of these attributes, Morin Associates has become one of the premier employee benefits agencies in the Northeast. We have the knowledge and expertise to provide you with the highest level of customer service you have come to expect and deserve, and due to our local presence, are uniquely positioned to avail our entire staff to your specialized needs.

Our Services

  • Proactive management of all benefits plans, including research, design, implementation, and administration
  • Market Benefit Plans to all available insurance carriers
  • Fully-Insured and Self-Funded Alternatives
  • Benefit Analysis and Presentation
  • Enrollment Communication, including Employee Education of any plan design, including HSA-qualifying plans, HRA plans
  • Promote wellness through on-site Health/Wellness Fairs
  • Manage annual compliance, plan document preparation and administration for HRA, FSA, and POP
  • Complete benefits administration, including employee additions, deletions or changes
  • Conduct periodic audits of insurance carrier billing
  • Claims Resolution and Advocacy for your employees
  • COBRA/State Continuation Administration, keeping you in compliance
  • Ongoing communication with employers, keeping them informed of industry trends and changes

Client Testimonials

"As a rule, when someone needs to call a business, they anticipate a recorded message, where one has to select extensions; and, when one finally connects with a live person, they can be rude and abrupt.  In all my years, working in commercial enterprises,  I have never experienced such fast response time, quick answers and solutions, friendly voices from everyone that answers a call and just an all around courtesy that patrons receive when they do business with Kevin Morin and his excellent staff at the Morin Agency."

B. L., Groton, CT

An Independent Advantage

We are Independent Agents, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Morin Associates represents a carefully selected group of financially strong, reputable insurance companies, therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, car insurance, home insurance or businessowner policy -- you wouldn't have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.

An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, whether it's for your home, your car or your business, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, it's up to you to make the final choice.

Insurance Carriers

As independent agents, we have established long-term, solid relationships with some of the top national and regional carriers in the industry. Our experienced staff will be able to provide comprehensive, expert insurance solutions and service.

For you, our client, this provides competitive pricing, coverage options, and peace of mind that the company providing your insurance coverage meets our standards.

  • Aetna
  • Anthem Blue Cross/Blue Shield
  • CBIA Health Connections
  • Chamber Insurance Trust
  • Cigna
  • Connecticare
  • Guardian
  • HealthNet
  • Met Life
  • N.E.A.D.
  • Oxford Health Plans
  • PPI
  • Principal
  • Prudential
  • Standard
  • Starmark/Trustmark
  • The Hartford
  • Tufts Health Plans
  • United Healthcare
  • Unum

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