In these challenging days, employers are balancing the need for competitive benefit plans (to attract and retain key employees) with the necessity of reducing overhead expenses to remain financially viable. HFG Benefits (a division of Heritage Financial Group) specializes in designing, implementing and administering employee benefits plans that are attractive to employees as well as remaining affordable for employers.


When you choose HFG to design and administer your company’s benefit package, you get a team of talented experts who get to know you—and your business—in order to design customized benefit solutions. Our approach, which involves developing insider-level knowledge of your industry’s particular challenges, has led to a thriving repeat business—and a retention rate among the best in the industry.

At HFG, we do more than just sell group insurance benefits. We offer knowledgeable assistance and helpful support at every step of the way. Our consulting services help you make informed decisions about benefit plan design, while our support services free you from the tedium of benefit administration.

Consulting Services ~ Data collection, current plan analysis, industry benchmarking, strategic planning, budget analysis and employee input.

Proposal Solicitation & Analysis ~ Plan Design & RFP, proposal analysis, provider interviews, provider selection, implementation timeline development.

Initial Enrollment & Orientation ~ Group enrollment/orientation meetings, customized enrollment materials, web-based enrollment.

Ongoing Support ~ Our ongoing support services are unparalleled in the industry. It’s why we have such a loyal and dedicated client base. Ongoing support services include:

Dedicated customer service representatives
Periodic orientation sessions
Employee benefit summaries
Outsourced day-to-day administration
Employee education

HFG Benefits offers a broad array of group insurance products to meet the varied needs of our clients and their employees:

Medical & Dental Insurance
Disability Income Insurance
Life Insurance
Qualified and Non-Qualified Retirement Plans
Executive Benefit and Compensation Plans
Limited Benefit Medical
HSA (Health Savings Account)
HRA (Health Reimbursement Arrangements)
Section 125 FSA (Flexible Spending Accounts)

Voluntary Plans ~ By shifting premium costs to employees, voluntary plans make it possible to enhance your benefit offering at no additional expense to your company. You get what you want—low costs—while employees get what they want—easy access to the benefits they want at attractive group rates:

Employee/Dependent Term Life Insurance
Long-Term Disability
Short-Term Disability
Long-Term Care
Critical Illness
Part-Time Employee Benefits

100 Bluegrass Commons Blvd., Suite 300, Hendersonville, TN 37075
Office: 615.255.2091     |     Fax: 615.244.7123     |     Toll Free: 800.234.3722      |     Email:

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