Benefits
Below is an overview of frequently offered benefits. These can be individually selected or paired as a menu of options to compliment an existing benefits package at no cost to the employer.
(These are general benefit descriptions; actual features may vary based on state, group size, and carrier selection.)
Life Insurance
- Provides financial security in the event of loss of life
- No physical exams required
- Portable upon retirement or change of employment
- Long Term Care, AD&D & Waiver of Premium riders optional
- Coverage available for employee, spouse, children and grand children
Disability Insurance
- Income replacement for both short & long-term disabilities
- Multiple plan designs available to meet employer’s needs
- Income protection for time off due to injury, illness, and pregnancy
- Benefits paid tax-free
Accident Insurance
- Benefits paid directly to insured regardless of out-of-pocket expenses
- Pays in addition to any other insurance you may have
- Can be used to help pay deductibles, co-pays or recover lost income
- Benefits paid for dislocation, fractures, lacerations, burns, hospitalization, and more
- Individual and family coverage available
- Excellent option for those with an active lifestyle or dependents participating in sports of all kinds
Critical Illness
- Lump sum benefit paid directly to the insured upon diagnosis of a covered illness
- Ideal for employers offering a high deductible health plan
- Covers cancer, stroke, heart attack, end stage renal failure and more
- Individual and family coverage available
Hospital Indemnity
- Benefits paid directly to insured regardless of out-of-pocket expenses
- Covers initial hospitalization and daily hospital confinement
- Injury, illness, and pregnancy covered
- Individual and family coverage available
Identity Theft Protection
- Identity Theft Protection works to prevent & restore loss associated with ID theft
- Detection & alerts given in real time for your benefit
- Individual and family coverage available
- 1 in 4 are victims of identity theft
Legal Coverage
- Affordable monthly premiums
- Covers most common legal needs such as will preparation, buying/leasing a home or car, adoption, uncontested divorce, juvenile matters and more
- Provides access to an attorney in your area as well as phone and online services
- Covers the whole family
Auto & Homeowners/Renters
- Free quote that generally reflects as much as a 10% group savings
- Offered through the convenience of payroll deduction
- Fully portable
- Often includes a 12-month rate guarantee
Limited Benefit Medical Plans
- Ideal for employers with a large hourly or part-time workforce
- Helps pay basic medical expenses related to illness or injury
- Custom plan designs available
- Options include daily hospital benefits, outpatient physician visits, surgery, anesthesia, accidents & critical illness coverage, and wellness benefits