Our insurance advisors take time to understand your unique needs, identify and offer alternatives to protect you against gaps in coverage, and create custom plans that fit your life. From auto insurance to homeowners insurance, we’re in the business of helping people protect what they value and have worked so hard to build.
Group Dental Insurance
Dental care can be costly, and many employees consider group dental to be an essential part of their benefits package. As one of the most used group benefits, group dental coverage may be a worthwhile investment for helping to attract and retain great talent.
Critical Illness Insurance
Serious health events and illnesses can be devastating for your employees and their families in many ways, not the least of which is financially. Even with health insurance, situations like these can leave someone owing tens of thousands of dollars or more in medical bills. Critical illness insurance can help.
Life and Accidental Death and Dismemberment Insurance
Employer-sponsored life and accidental death and dismemberment (AD&D) insurance provides financial protection for employees and their loved ones in the event a person dies or suffers certain severe injuries, whether they occur on or off the job. Offer your employees peace of mind with life and AD&D insurance.
Group Accident Insurance
No one ever sees an accident coming. Millions of people are injured every year and seek medical care as a result. Ambulance charges, emergency room copays, deductibles, co-insurance—the expenses can add up fast. Group accident insurance may help employees with the financial strain that arises from an injury.
Group Hospital Insurance
Planned surgeries and unplanned accidents send people to the hospital all the time. Even with a health insurance plan, hospital stays can lead to large medical bills. In fact, medical expenses are one of the leading causes of debt. Group hospital insurance can help enhance your benefit options. On the other hand, this may also lead to better employee retention and boost your recruitment strategy.
Group Voluntary Supplemental Life Insurance
Just like many businesses, you most likely offer a group life insurance plan to your employees. However, those policies often only cover up to one to two times the employee’s annual salary. That may cover funeral costs and sudden expenses, but often won’t fund their child’s education, pay down a mortgage, or pay for any other larger expenses to provide for their family. Group voluntary supplemental life insurance allows your employees to buy additional life insurance coverage through your sponsorship in order to get increased benefits.
Health Reimbursement Arrangements
A health insurance plan, no matter how rich it is, will always have things it doesn’t cover. Dental and vision plans can be very beneficial to employees, but not necessarily in the budget for employers. Employers can essentially self-insure these and other coverage gaps through health reimbursement arrangements.
Health Savings Account
As the cost of healthcare and providing benefits to employees continues to rise, employers need to explore options beyond the traditional health insurance plan. Offering your employees a health savings account can be a cost-effective way to enhance your benefit plan while providing both immediate and long-term value.