We offer the following voluntary benefits to help employees protect their income and provide financial security.

DISABILITY

Employees who can’t work because they’re sick or hurt may have a tough time paying for everyday living expenses. With disability insurance, you can offer financial protection tailored to meet each of your employee’s unique needs.

ACCIDENT/INJURY

With health care costs rising, it’s important to do everything you can to help your employees prepare for life’s sudden turns. Accident insurance can help offset the unexpected medical expenses that can result from a fracture, dislocation or other covered accidental injury.

CRITICAL ILLNESS/CANCER

Critical illness and Cancer insurance complements major medical coverage by providing a lump-sum benefit that can be used to pay for the direct and indirect costs related to a covered critical illness such as a heart attack, stroke, cancer, and more.

HOSPITAL CONFINEMENT

Hospital confinement indemnity insurance provides a lump-sum benefit for a covered hospital confinement or outpatient surgery to help offset the gaps that aren’t covered by most major medical plans. This type of coverage can provide employees with a soft landing if you need to move to a major medical plan that has higher out-of-pocket costs.

LIFE and LONG-TERM CARE

Life insurance products enable your employees to tailor coverage for their individual needs. As your employees’ needs change over time, they can update their coverage for each stage of life – whether they’re getting married, having children or getting ready for retirement.

DENTAL

Regular dental care is an important part of maintaining overall health. However, dental cleanings and procedures aren’t usually covered by health insurance, potentially leaving your employees with bills to pay. Offering dental insurance encourages better dental care, creates a more competitive benefits package and helps reduce out-of-pocket expenses for an array of procedures.