Voluntary Benefits

If you run a small business, you’re pulled in a lot of directions. As you’re trying to run and grow your business, you know how important it is to have a great team of employees supporting you. Research shows that generous employee benefits are a great way to attract and retain employees. And group voluntary products like accident, critical illness, disability and life insurance allow you to offer your employees a more robust benefits package — without adding to your bottom line.

Voluntary Benefits

Today’s employees see real value in a flexible, competitive benefits plan especially as they face rising healthcare costs and limited budgets. Voluntary products are available at a group rate with easy administration.

Voluntary products can provide financial protection by:

▸ Helping cover personal expenses of a high-deductible healthcare plan

▸ Meeting everyday living expenses in case of an illness or accident

▸ Providing life insurance that can follow your employees into retirement

Voluntary Benefits Offered
  • Accident Insurance

  • Critical Illness Insurance

  • Disability Insurance

  • Hospital Indemnity Insurance

  • Life Insurance

Minimal participation requirements
No medical questions to answer*

Accident Insurance

Today, active lifestyles in or out of the home may result in bumps, bruises and sometimes breaks. Accident insurance helps employees seek the treatment needed to be on the mend.

Choose from: 24-hour and Off-the-job coverage

Critical Illness Insurance

No one is ever really prepared for a life-altering critical illness diagnosis. Medical coverage may only cover some of the costs associated with treatment. Our coverage helps provide financial support if an employee is diagnosed with a covered critical illness so they can focus on getting better. 

Hospital Indemnity 

Without any warning an illness or injury can lead to a hospital confinement and medical procedures and/or visits which may mean costly out-of-pocket expenses. With our Hospital Indemnity plan employees receive cash benefits for hospital confinement payable directly to the employee.

Disability Insurance

Disability insurance can help replace lost income and help ensure finances are not depleted when faced with a period of unexpected sickness or off-the-job injury.

Life Insurance

If your employees are like most people, they don't have enough life insurance to keep their families afloat if an unexpected death occurs. We offer coverage to help protect them from life's uncertainties: Whole Life Insurance, with guaranteed rates for the life of the policy and a guaranteed death benefit or Term Life Insurance, with the opportunity for a tax-free death benefit.