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Life, Health & Financial Services


Toto Group, in conjunction with , unite traditional payroll with workers compensation. Igniting an exclusive Pay As-You-Go program. With intuitive technology and seamless integration, workers compensation premium is calculated and based upon the actual payroll experienced each pay cycle. Then automatically communicates information to the insurance carrier who then debits the specified account for the exact premium due to cover that pay cycle.

0% Down Payment

Minimal Audit

Cost Accurate

Life Insurance & Financial Products

Protect what's important with life insurance. The base of financial security and investments are built upon a strong core. In today's financial market, Life Insurance is that platform.

• Term Life

• Permanent Life

• Long Term Care


How much life insurance do I need?

• Disability Insurance (DI)

• Medicare Supplements

• Fixed Annuities

• Fixed Index Annuities



Group Health

Toto Group, retains the very best in health markets. Starting at just one employee, there is a perfect plan for any size company.

• Preferred Provider Organization (PPO)

• Point of Service Plan (POS)

• Health Maintenance Organization (HMO)
• Health Savings Account (HSA)

• Dental, Vision & Life

Individual Health

There is, perhaps nothing more important than the investment of health. Today, healthcare seems to be an ever changing dynamic. It seems complicated but doesn't have to be. Toto Group can help make theses decisions easier. We'll explain the benefits and costs to determine the best approach for a comprehensive health plan.

Major Medical (on- and off-exchange)

• Limited Benefit Medical

• Short Term Medical

• Accident
• Dental

• Vision

• Critical Illness

• Prescription Discount Plans

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  575 Milltown Road | North Brunswick, NJ 08092
PH: (732) 253-8181
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