It takes a special kind of person to run a business. You need a combination of pioneer spirit, a drive for innovation, a commitment to good, hard work and to giving your best. We share in those qualities. That’s why we design benefit solutions, tailored to manage risks associated with your business and its employees.


Allen works with large and small companies to help present the best benefits packages for their employees.  Consulting services are free, so call Allen to schedule an Education session today.


In the unfortunate event something does happen to your identity, you’ll have professional help in getting your identity restored to what it was before the fraud occurred.


Imagine a world where everyone can access legal protection – and everyone can afford it. Unexpected legal questions arise every day and with LegalShield on your side, you’ll have access to a high-quality law firm.


Life Insurance
Health Insurance
Group Insurance
Disability Insurance
Dental Insurance
Long-Term Care Insurance
Voluntary Benefits

Schedule an Education Session or Consultation

Allen McMichael is an insurance consultant who provides companies with in-depth benefits options for their employees.  If you are a company that does not have an on site Human Resources position, Allen can help fill that role by providing on site education sessions or consultations with your employees.

You Don’t Have to

Manage Risk Alone

Allen McMichael provides in-depth

consulting services to help you…

Avoid Risk

Avoiding risk would mean that you do nothing. To avoid risk, you must avoid the activity of the risk. Don’t sell this, don’t offer that service, or simply not be in business at all. Risk avoidance is rarely the answer as we must task risks, some larger and some smaller, in order to grow, build, and innovate.

Reduce Risk

Taking necessary steps to reduce risk is always a needful. For instance, putting additives in floor paint to reduce the chances of someone getting injured from slipping on the floor within your store is an great example of reducing risk. If there is a challenge with “reducing” risk, it is that the risk still exists and can negatively impact profitability or in a worse-case scenario, force you to close your doors – neither a good solution for managing risk.

Transfer Risk

You might expect me to say this, but one of the best ways to manage risk is to “transfer” it. Using insurance allows a business or employee to pay a small premium shared across a large number of persons so that, in the event of an accident or the unforeseen, your company and your financial stability stand a significantly better chance of survival.