Empower Your Business with Superior Group Coverage
Keep Good Going
Protect Your Idaho Team with Coverage That Cares
Health Coverage
Comprehensive medical coverage options for teams of any size.
Achieve the third reason why employees choose to stay or leave a high-paying job.
Provide comprehensive medical, vision, dental, and supplemental coverage to your staff. Cover all bases.
Vision and Dental
Whole Package
You built something good. Let’s keep it going with the right benefits that help your people stay and your business thrive.
Why Clearwater Harbor Covenant?
Your team deserves coverage that reflects the same values you live by.
I’m Kyle Penney (photo above) — 4th-generation Idahoan and independent Aflac & SelectHealth specialist based in Caldwell, ID. I don’t sell one-size-fits-all policies. I build custom benefit strategies rooted in faith, integrity, and practical care for the people who keep Idaho working. My strong conviction is fueled by my faith to better and advance the prosperity wherever God plants me.
Proud Ambassador of the Caldwell Chamber of Commerce, the “Indian” of Indian Creek Plaza.
Full Tax Deductibility
Start Small — Grow!
Eligible firms claim up to 50% credit on employee premiums (35% for non-profits), offsetting costs for groups under 25 FTEs (full-time employees) with average wages below $50,000—boosting affordability for enterprises in Idaho serving their respective communities.
Empower your Idaho enterprise with certified mastery in Accident & Health protections—driving resilient growth through strategic, value-aligned coverage that fuels entrepreneurial vision and safeguards teams with unyielding resolve.
Small Business Tax Credit
Employers can initiate group benefits via voluntary, payroll-deducted options under “Section 125” (cafeteria plans), enabling employee opt-ins without immediate employer contributions. This fosters retention through flexible enrollment, allowing phased expansion of coverage as business needs evolve.
Empower your workforce stewardship—optimize what benefits you.
Our Services
Tailored group benefits rooted in faith and fiscal care.
Services Built for Idaho Businesses
CHAD Supplemental Coverage
Direct cash benefits that show up when life happens:
• Cancer Insurance — Support for treatments, travel, and recovery
• Hospital Insurance — Help with deductibles and out-of-pocket costs
• Accident Insurance — Immediate funds for injuries and rehab
• Short-Term Disability — Income protection when your team needs it most
These policies pay you or your employees directly — no waiting, no hassle.
Comprehensive Health Plans
• Medical, Vision & Dental options tailored for small-to-mid size groups
• Wellness rewards and preventive care that actually get used
• Choice of St. Luke’s or St. Alphonsus networks
• Section 125 cafeteria plans so employees can add coverage through payroll deduction
Small Business Tax Credit Advantage
Eligible employers can receive up to 50% credit on premiums (35% for nonprofits). We help you maximize every available incentive.
Protect Your Idaho Team with Coverage that Cares
You built your business on hard work and loyalty. Now give your people benefits that help them stay — and help you keep good going.
Faith-aligned group benefits coverage—simplifying the complex. Because life is complicated as it is, allow us to make it simple from “is this coverage enough?” to “Enough said.”
Trust
✓ Licensed Idaho Producer #19889448
✓ Caldwell Chamber Ambassador
✓ Aflac & SelectHealth Certified
✓ Independent — No Sales Quotas
© 2026 — All rights reserved.
Disclaimer: Kyle Penney is an independent Aflac Benefits Advisor and SelectHealth specialist licensed in Idaho, offering group benefit solutions tailored to stewardship and employee care. All quotes provided are preliminary estimates based on initial information. For Aflac, they are subject to Aflac’s underwriting process, which may result in adjustments, denials, or changes to rates, coverage, or eligibility upon final review. For SelectHealth, quotes are subject to verification of group eligibility (e.g., minimum full-time employees working 30+ hours/week for small groups), plan availability in Idaho service areas, and potential rate adjustments based on group size, demographics, enrollment details, or other factors during final approval; small groups (2-50 employees) are guaranteed issue without medical underwriting denials per Idaho law, while large groups (51+) may involve experience rating or additional review. These are not binding contracts or guarantees.
Contact
MisterPenney@usa.com
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