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Voluntary Benefits

Voluntary benefit are designed to supplement employer sponsored benefits and help protect your employees against the impact of unexpected medical costs and more.

Disability Insurance

Disability insurance protects a portion of your income if you become ill or injured, to help you with your financial security until you can get back to work.

Accident Insurance

When you suffer an accident such as a burn or broken bone, Accident Insurance provides a lump-sum cash benefit based on your injury(s) and the treatment you receive. These benefits are paid on top of what your health insurance covers and can be used at your own discretion.

Critical Illness Insurance

No one can be completely prepared when a critical illness strikes, but if you or a loved one is diagnosed with a covered condition such as cancer, stroke, or heart attack, Critical Illness Insurance provides a lump-sum cash benefit to help pay for out-of-pocket medical expenses or any other bills that need attention, including rent or groceries.

Hospital Indemnity Insurance

Hospital Indemnity can help you pay for out-of-pocket expenses when seeking treatment at a hospital, such as hospital admission, confinement, intensive care, and more. This plan does not coordinate with any other coverage, so it pays on top of the benefits that your elected medical plan offers.

Genomic Testing for Cancer

A new and innovative, high touch support program designed to provide an individual and their family with the dedicated resources, technology, and genetic testing needed to effectively navigate cancer while improving chances of survival. Some features of this plan include a Cancer Support Line, Dedicated Nurse Case Manager, Medical Records Storage & Transmission Platform and Comprehensive Genomic (DNA) Profiling.

Term Life Insurance

Term Life Insurance can help you ensure that your family will have financial security even if something happens to you. It’s portable – meaning if employment is terminated for any reason other than death, you can continue coverage.

Permanent Life

Permanent Life Insurance is available to provide you with even greater financial security. This coverage offers protection beyond your working years, potentially for your lifetime. With a guaranteed death benefit that will never decrease, level premiums that will never increase, cash value accumulation, and other options, Permanent Life goes beyond typical term life insurance.

Permanent Life Insurance with Long Term Care

Permanent Life Insurance with Long Term Care includes living benefits that provide financial support to cover the cost of long term care like nursing home, assisted living, or home care that you might need as a result of an accident, illness, or aging. As life insurance, the program also protects your family with money that can be used any way they choose like your mortgage or rent, education for children, retirement, or final expenses.

Why is Long Term Care Coverage Important?
Long term care coverage provides financial support to cover the cost of long term care such as nursing home care or assisted living facilities. It provides peace of mind knowing you won’t become a burden to loved ones if you become ill. While it’s true that Medicare may cover some long term care costs, Medicare’s coverage can be very limited. Long term care coverage is the best way to protect yourself, your family, and your financial assets.

Pet Insurance

You care about your pets and consider them members of your family. Pet insurance provides coverage for a wide range of veterinary services, such as wellness visits, vaccinations, surgical procedures, medical care following accidents and illnesses, and more.

Identity Theft Protection

Identity theft protection services help assess your risk, deter theft attempts, detect fraud and manage the restoration process in the event of an identity theft. Your identity will be monitored to uncover fraud at its inception. You’ll be offered an annual credit report, monthly credit scores and monitoring of your credit file. If suspicious activity is detected, a certified privacy advocate can act as a dedicated case manager on your behalf and resolve the issue.