Since January 1986, NBI & Associates, LLC has focused on employee benefits with a rich history of serving clients home officed in Texas. As employee benefits specialist, we offer a wide range of services, from Group Benefits to Qualified Retirement Plans. Our client base consists of accounts with as few as two employees, to accounts with over one thousand employees. Whatever your size, whatever your benefit need, we can accommodate.

Specialty Products and Services We Provide

• Group Medical Plans
• Group Life Plans
• Group Dental Plans
• Group Disability Plans
• Group Accident Plans
• Group Long Term Care Plans
• Group Retirement Plans
         o  401(k) Plans
         o  Profit Sharing Plans
         o  SIMPLE Plans
         o  Simplified Employee Pension (SEP)
         o  Pension Plans
         o  Plan Design & Administration
• Business Planning
         o  Discriminatory Executive Benefits
         o  Buy-'Sell Agreement Planning
         o  Key Person Life Insurance
         o  Deferred Compensation
         o  Executive Bonus
         o  Split Dollar Plans
• 125 Pretax Cafeteria Plans
• Cobra Administration
• Employee Benefit Statements

Before the sale-What makes us different? NBI is a full-time employee benefits firm. Many insurance agents who offer employee benefits are not full-time employee benefits specialists. The result can mean limited marketing and knowledge in placing your employee benefits package. As an employer, you know how hard it is to keep quality employees. Maintaining a comprehensive employee benefit package helps you retain those employees that are most valuable to your company.

Our firm comprises the top 50 employee benefit insurance markets and is automated in reaching them for your customized comparison proposal. With us you don't have to sit thru four or five boring meetings with benefit advisors just to get various market quotes. Our knowledge and expertise will bring all of them to you in one customized spreadsheet proposal! This process clearly allows you an overhead view to make an informed, logical, and confident decision.

After the sale-What makes us different? NBI is fully staffed with professionals to take care of you once your plan is in place. We maintain a focused approach. Our philosophy is to not only do what it takes to earn your business, but do what it takes to keep your business. You can always call any direct carriers customer service department with your issues and let them try to assist you, or you can just call us! We offer our clients a full-time staffed customer service department.

In certain situations, benefit advice your company heeds can mean the difference between striving or failing in business! Employee benefit laws and regulations are very complex and changing all the time. As an employer, it is your responsibility to remain in compliance. Having NBI on your team will help keep you aware of benefit changes assisting you to stay in compliance.

That's all useful and relevant information. But it doesn't speak to some of the most important things: like the way we do our job, and the character and integrity of our people...things our clients tell us separate us from all other benefit firms. These issues are important to us because we know they are important to our clients. And this, we believe is one of our greatest strengths--the ability to see the world through our clients eyes and offer candid, objective advice that helps to solve their most pressing problems.

Securities offered through MML Investors, Inc. 5080 Spectrum Dr., #902W, Addison, Texas 75001 Member SPIC