Our solutions start with a range of proven, trusted products.

Life Insurance

Life insurance continues to be the foundation of most competitive benefit packages. With good reason. It offers employees financial security, strengthens an employer’s ability to attract new talent and helps producers meet clients’ needs for expanded voluntary benefits.

Short and Long Term Disability

An employee’s most valuable asset is their ability to work and provide financial support for those who depend on them. If they are injured or become too ill to work, Disability Insurance can help pay bills until they are back on their feet.

Dental Insurance

Dental insurance is designed to pay a portion of the costs associated with dental care. Dental insurance can assist in maintaining dental health by encouraging routine preventive care. Plans can cover a wide range of services, from routine cleanings and exams to major dental procedures.

-not available in all markets

Vision Insurance

Comprehensive vision insurance plans include coverage for exams, frames, spectacle lenses, contact lenses as well as discounts for LASIK surgery.

-not available in all markets

Voluntary Products

Voluntary benefits are increasing in popularity as employers look for ways to help manage benefit costs, give employees additional choices and deal with changing workplace demographics.

Accident

Accidents can happen to anyone. But what people often don’t think about – or plan for – are the costs that accompany an accident. Accident insurance helps your employees plan for the unexpected and provides them with additional peace of mind. A cash benefit is paid directly to the insured to use any way they wish.

Critical Illness

Critical Illness insurance helps your employees prepare financially for an unexpected life event. If an employee is diagnosed with a condition covered by the policy and meets the requirements, critical illness insurance will pay a lump sum benefit. Employees can use the lump-sum benefit any way they choose to cover expenses such as child care, mortgage payments or out-of-pocket medical costs.

Hospital Indemnity

Hospitalization: It’s unexpected, but not unusual. And all too often, it can mean a financial setback. Along with rising healthcare costs and deductibles, a hospital stay can mean lost wages and other unexpected expenses. Group hospital indemnity insurance empowers your employees to plan ahead financially with flexible, affordable options for offsetting out-of-pocket expenses resulting from an unexpected hospital visit. And it adds value to your overall benefits package and while being prudent about your bottom line.

Long-term Care

Long-term care is a range of services and support you may need to meet your personal care needs. Most long-term care is not medical care, but rather assistance with the basic personal tasks of everyday life, such as bathing, dressing, using the toilet, transferring (to or from bed or chair), caring for incontinence and help with eating.

Whole and/or Universal Life insurance

Whole Life Insurance offers permanent life insurance, rather than a specified time period, at a fixed premium. Additionally a savings component from the premiums paid are invested and a cash value accumulates over time.

Universal Life Insurance is similar to Whole Life Insurance; however, there is flexibility, allowing the holder to shift money between the insurance and savings components of the policy.