Benefits We Offer

Protect what you've worked so hard to build

We're here to provide peace of mind and protect your lifestyle when life throws unexpected challenges your way. Offered through your employer, our voluntary benefits help protect your income and provide financial security for you and your family.


Disability Insurance

Individual Disability – A short-term disability product that replaces a portion of income. The product provides on/off-job or off-job only coverage for a covered accident or sickness, and includes partial disability, portability and waiver of premium. Optional features include psychiatric and psychological conditions benefits and waiver of elimination period for first day hospital confinement. Guaranteed-issue and simplified-issue options are available.

Long Term Disability -A disability product that can pay a monthly benefit if a covered disability keeps you away from work for an extended period of time.

Group Disability – A short or long term disability product that replaces a portion of income. The policy provides on/off-job or off-job only coverage for a covered accident or sickness, and includes partial disability, portability and waiver of premium. Optional features include psychiatric and psychological conditions benefits and waiver of elimination period for first day hospital confinement. Guaranteed-issue and simplified-issue options are available.

Life Insurance

Individual Term Life – A term life insurance product that offers three level term options (10-, 20- and 30-year), level death benefits, family coverage and guaranteed rates. It is guaranteed renewable to age 95 and convertible to age 75.

Group Term Life – A term life insurance product with flexible benefit designs. The product offers guaranteed-issue underwriting at initial enrollment with group rates. It is portable and convertible under certain conditions. Employer- and employee-paid options provide flexibility and allow employees to purchase additional coverage at group rates.Individual Universal Life – A universal life product with flexibility that allows an employee to adapt to changing needs by varying face amounts and premiums. It also provides optional long-term care rider and restoration of benefits rider at an additional cost.

Universal Life- A permanent whole life insurance product that provides cash values and a guaranteed death benefit as long as premiums are paid when due and no loans are taken. Guaranteed-issue and simplified-issue options are available, as well as an optional long-term care rider at an additional cost. (Spouse and eligible dependent children coverage is available with all life products.)

Individual Whole Life – A permanent whole life insurance product that provides guaranteed level premiums, guaranteed cash values and a guaranteed death benefit as long as premiums are paid when due and no loans are taken. Guaranteed-issue and simplified-issue options are available, as well as an optional long-term care rider at an additional cost. (Spouse and eligible dependent children coverage is available with all life products.)

Dental Insurance

Individual Dental – A guaranteed-issue dental product that provides the freedom to see any dentist and receive the same benefit amounts. Plans cover a variety of dental procedures, from routine cleanings to more advanced procedures such as crowns and root canals. Additional savings are available by visiting a network dentist. Orthodontic and vision riders are available at an additional cost.

Group Dental- Guaranteed -Issue dental Product that has both in-Network and out of network benefits.

Accident Insurance

Individual Accident – A guaranteed-issue, composite-rated, guaranteed-renewable accident product that offers several coverage levels to fit all budgets. Features include employee and spouse coverage, or spouse and eligible dependent children only coverage. A spouse disability rider is also available at an additional cost.

Group Accident – A guaranteed-issue, composite-rated group accident product with multiple coverage levels to fit employer and employee needs. All plans are compliant with health savings accounts (HSA) and provide all employees the same benefits and rates. Spouse and eligible dependent children coverage is also available.

Gunshot Wound – A guaranteed-issue product that provides lump-sum benefits for injury due to a non-fatal gunshot wound.

Special Risk Insurance

Individual Cancer – A cancer product that pays indemnity-based benefits to help cover medical and non-medical expenses related to cancer diagnosis and treatment.

Group Cancer – A cancer product that helps pay some of the direct and indirect costs related to cancer diagnosis and treatment. Typically offered Guaranteed Issue with composite rates.

Individual Critical Illness – A critical illness product that provides a lump-sum benefit for the diagnosis of a critical illness.

Group Critical Care – A critical care product that provides a lump-sum benefit when a covered critical illness or cancer is diagnosed. The product may also provide monthly benefits for extended treatment of cancer. Features include subsequent diagnosis, HSA-compliant plans and portability.

Supplemental Health Insurance

Individual Medical Bridge/Gap Plan– A hospital confinement indemnity product that supplements your core medical coverage, offering benefits such as hospital confinement, health screening or wellness, rehabilitation unit confinement and doctor’s office visits. An HSA-compliant plan is available.

Group Medical Bridge/Gap Plan– A hospital confinement indemnity product that pays benefits to help cover out-of-pocket expenses associated with a covered hospital stay, outpatient surgeries, diagnostic procedures and health screenings. An HSA-compliant plan is available.

Health Insurance- ACA compliant plans that fit your company's budget.


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