Products

Provide Employees With the Right Insurance Package

Our Product Lines
We offer group and individual options on all product lines listed below (except dental).
Guaranteed-issue options are available across all lines.

Critical Illness Insurance

A critical illness such as a heart attack, stroke or major organ failure can impact anyone, from the least health-conscious to the most fit. Every 34 seconds, someone has a heart-related event, and every 40 seconds, another person has a stroke.1 Heredity and lifestyle affect individual risk factors, but even if one is in perfect health, life can change in an instant.

When a critical illness strikes, major expenses often follow. Health insurance may cover some of the associated medical costs, but not everything. In addition to day-to-day bills, employees could incur costs for treatment and recovery, such as:

  • Deductibles and co-pays
  • Expenses related to out-of-network treatment and additional medical procedures, such as angioplasty and pacemaker implantation
  • Travel, lodging and meals during treatment
  • Lifestyle changes that may lead to better health, such as gym memberships and smoking cessation programs
  • Rehabilitation and home health services
  • Child care

Plus, if employees have to take a leave of absence or reduce their work schedule to care for themselves or others, expenses and debt can add up quickly. That’s where critical illness insurance can help. With a financial safety net in place, employees can rest assured that a sudden illness won’t jeopardize their finances.

Critical illness insurance helps supplement major medical coverage by providing a lump-sum benefit that may used to pay direct and indirect costs related to the most prevalent critical illnesses. Some of the covered conditions include:

  • Heart attack
  • Stroke
  • End-stage renal (kidney) failure

Other serious illnesses may be covered as well, depending on the specific design of the plan. Additional coverage options also are available to help pay for health screenings, subsequent diagnoses and cancer vaccines.

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Cancer Insurance

Most of us don't expect to face a serious illness like cancer. However, statistics show 1 in 2 men and 1 in 3 women develop cancer in their lifetime.1 Some look to family history to determine risk, but that often doesn't tell the whole story. While heredity and environmental factors can play a role, inherited genetic factors impact only about 5-10% of all cancers.

Fortunately, more people are surviving cancer thanks to early detection and more aggressive treatments. If you're diagnosed with cancer, you may find that your medical insurance doesn't cover everything. In addition to your day-to-day bills, you could incur costs for treatment and recovery, such as:

  • Deductibles and co-pays
  • Out-of-network treatment
  • Travel, lodging, and meals during treatment
  • Child care
  • Home health services

The need to scale back on work or take a leave of absence during treatment and recovery only adds to the stress. That's where supplemental cancer insurance helps. It assists with protecting you from financial hardship in the face of mounting cancer expenses.

If cancer affects your life, you should be able to focus on finding the best treatment and getting better – not on how you'll pay your bills.

Cancer insurance offers benefits to assist with out-of-pocket costs that may not be covered by your medical insurance, including expenses related to inpatient or outpatient treatment, surgery, travel, and recovery care. Equally important, some plans also cover an annual cancer screening test to promote prevention and early diagnosis. Optional riders may be available to provide even more financial protection during the initial diagnosis period and hospital stays.

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Accident Insurance

When an accident happens, the last thing employees want to think about is how they’re going to pay the bills. Accident insurance helps employees pay for the medical and out-of-pocket costs that they may have after an accidental injury. Based on an individual’s policy, this can include emergency treatment, hospital stays, medical exams and other expenses like transportation and lodging. 

Accident insurance policies can provide employees with a lump sum paid directly to them that will help pay for a wide range of situations, including initial care, surgery, transportation and lodging, and follow-up care. Here’s how it works:

  • A set amount is payable based on the injury suffered and the treatment received.
  • Benefits are payable directly to employees unless they specify otherwise and can be used as they see fit.
  • Coverage is available for individuals, spouses and eligible dependent children.
  • Employees do not need to answer medical questions or have a physical exam to get basic coverage.
  • Accident insurance covers injuries that happen on the job or off the job, unlike workers’ compensation, which only covers on-the-job injuries.
  • Benefit payments are not reduced by any other insurance employees may have with other companies.

Costs, eligibility and waiting periods before benefits are disbursed vary.

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Disability Insurance

Income protection in times of need

Maintain your livelihood and lifestyle with disability insurance

Employees may have insurance for their house, car and health, but if they’re like many Americans, they probably don't have insurance for the one thing that pays those bills: their income. If an accident or illness prevented them from working, could they still cover their everyday expenses?

Disability insurance makes this question easy to answer. It can help protect an employee’s way of life and maintain their lifestyle if a physician determines they’re unable to work due to a covered accident or illness.

Many people forgo disability insurance because they don't think they'll ever need it. However, over 90% of disabilities are caused by common illness or conditions, such as:

  • Pregnancy and childbirth
  • Back and joint disorders
  • Accidents and fractures
  • Cancer
  • Heart attacks and strokes

When an employee is unable to earn an income because of an illness or accident, their paycheck stops, but expenses continue. When an accident or illness happens, the last thing they want to think about is how they're going to pay the bills. With short-term disability benefits, employees may receive financial support for up to two years, so they can focus on what really matters: recovering and getting back to work.

Disability insurance offers disability benefits, as well as a variety of optional provisions to pay for psychiatric conditions, psychological conditions, and hospital admission. Employees can choose the appropriate benefit amount to meet their needs. No matter which amount or policy they select, benefits are: 

  • Payable on a monthly basis directly to the employee unless they specify otherwise, regardless of any insurance they may have with other companies
  • Able to be used to pay for whatever they like, including rent, house payments, car payments, utilities, credit card bills, travel expenses and more
  • Potentially available if an employee returns to work part-time
  • Able to be kept if an employee changes jobs

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Life Insurance

Get the coverage that’s right for your needs

No matter where your clients are in life, they can get coverage that’s right for their needs with options that can help them protect their family’s future.

  • Benefits are typically paid tax-free to the person they choose to receive their benefits.
  • Life insurance policies are portable, so your clients can keep their coverage if they change jobs or retire.
  • Guaranteed‐issue coverage may be available for some plans, which means no medical questions or exams are required to be eligible for coverage.

Term Life, Whole Life, and Final Expense policies are available.

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Hospital Indemnity Insurance

Hospital costs already cause enough stress!

Hospital indemnity coverage shifts the focus to healing, not finances.

When employees are in the hospital or undergoing outpatient surgery, the last thing they need to worry about is how much it will cost to get better. Even if they have health insurance, premiums don't cover everything. The average expense for a hospital stay ranges from $9,100 for a medical stay to $22,700 for a surgical stay.

If an employee is admitted to the hospital for a covered accident or sickness, hospital indemnity insurance plans provide benefits that can help pay for hospital expenses that aren't covered by their health insurance, such as costs related to:

  • Outpatient surgery
  • Inpatient services
  • Diagnostic tests
  • Doctor appointments
  • Emergency room trips

With this added financial protection, employees can dedicate energy toward getting well instead of worrying about bills. Hospital indemnity insurance helps minimize its effect on their finances. After customizing a policy with a preferred benefit amount, employees can use their insurance to pay for day-to-day bills or out-of-pocket medical costs, such as deductibles, co-payments and other expenses.

Annual wellness benefits are available to help promote a healthy lifestyle.

All policies include:

  • Benefits payable directly to the policyholder (unless specified otherwise) that can be used for any purpose
  • Availability for employees, spouses and eligible dependent children
  • Clear benefit amounts so they know the exact amount that's payable for covered services

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Dental and Vision Insurance

Dental insurance provides benefits for a variety of covered procedures, from routine cleanings to root canals.

Our dental insurance plans:

  • Gives employees the freedom to see an extensive network of in-network dentists
  • Provide immediate coverage for routine cleanings and X-rays
  • Offer several family plan options to help with care for their spouse and/or dependents up to age 26
  • Can be kept even if employees change jobs

Orthodontia and vision coverages are also available as optional add-ons. Costs and waiting periods for certain procedures vary, so talk with us today to learn more!

Protect vision with additional coverage

Our dental insurance offers optional vision coverage to employees who pay for eye exams and materials, such as glasses and contact lenses. This coverage can help employees maintain healthy vision and overall wellness, as well as provide valuable financial protection for employees, spouses, and dependent children.

 

With our vision insurance, employees have access to a national vision network that includes independent optometrists, ophthalmologists, and retail stores like Walmart, Sam’s Club Optical, Costco, Pearle Vision, and Target.

Eye exams and materials (frames, lenses) can be purchased from different locations and providers. For example, employees could have an eye exam with their favorite eye care professional and order contacts online.

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