Remember that Quotes are based upon information provided by you. Final premiums are subject to underwriting and the offer of coverage from an insurance company.

Voluntary Benefits

Also known as worksite benefits, voluntary benefits are offered by employers to help round out their benefit packages. These types of benefits provide a financial safety net where individuals may be vulnerable.

These policies do not replace traditional health insurance, but due to today’s technology and medical advancements, medical treatment is also more expensive. Even with medical insurance, people can and do experience financial hardship because of medical expenses their health insurance doesn't cover, for example, high deductibles or out of pocket expenses.

Traditional health insurance is simply not designed to meet the additional expenses of a critical illness or serious condition caused by an accident. That’s why voluntary benefits can be crucial to your insurance planning.  Voluntary benefits can help pay some of your hospital and doctor charges, or even replace part of your lost income.

Voluntary benefits provide cash at a time when it’s needed the most, regardless of other insurance benefits. The money can be used to make payments on your mortgage, pay deductibles, co pays or coinsurance requirements, hire help for around the house, pay for day care or elder care, travel to treatments – you decide.

Whether you are an employer or an individual, please contact us for information and rates specific for your state of residence. Enrolling in a voluntary benefits plan today can help you avoid the financial strain a major illness or unforeseen major injury tomorrow may create.