More and more, employers are offering Voluntary products to attract and retain valuable employees, while containing the overall costs.

Remember when voluntary employee benefits were a more of a should-have? Today, they are a must-have. Because voluntary benefits are typically employee-paid, you can help your employees meet their varying benefit needs without carrying a disproportionate amount of the financial burden. Without employer sponsored programs many employees would not have an opportunity to purchase these products.
 
Businesses understand that the money they spend on health care benefits is a worthwhile investment.  An attractive benefits package can help companies:

• Be competitive in attracting the best workers.
• Control costs related to employee turnover.
• Manage resources more efficiently with a stable, well-trained workforce.
• Increase overall employee satisfaction and, thus, productivity.

Like an investment however, companies must be able to afford the cost and ensure a profitable return.  Offering voluntary benefits is an ideal and affordable part of the solution.

Voluntary Products Can Help

Providing a broad portfolio of individual and group insurance products help round out your employee benefits offerings. Offering guaranteed renewable products is a valuable benefit for all employees.

• Most benefits are paid directly to the insured (unless specified otherwise).
• Many products are available to spouses and dependent children.
• With most plans, you receive benefits regardless of any other insurance. 
• Most products are portable if your employment changes.

Having Options is Important

Each individual’s lifestyle and needs are different from the next person’s. Our advisors will meet with each employee to explain the benefits of each plan. A few of the plans available are:

• ACCIDENT INSURANCE: Helps offset unexpected expenses resulting from a covered accident, such as emergency room fees, deductibles and co-payments. Benefits can be purchased for on and off the job or off job only.
• CANCER INSURANCE: Helps offset out-of-pocket medical and indirect non- medical expenses related to cancer diagnosis and treatment. Also provides a benefit for certain specified cancer-screening tests to encourage early detection and treatment.
• CRITICAL ILLNESS: Provides lump sum benefits for specific illnesses.
• HOSPITAL CONFINEMENT INDEMNITY INSURANCE: Designed to supplement existing major medical coverage.  Pays a lump-sum benefit to help cover medical and non-medical expenses associated with hospital confinement.
• LIFE INSURANCE: Helps provide financial security for employees’ loved ones and round out their life insurance protection. Plans include term and cash value life insurance.
• SHORT-TERM DISABILITY INSURANCE:  Replaces a portion of the insured’s income if the person becomes disabled because of a covered accident or sickness. Some plans offer on and off the job coverage while others offer off the job only.