Group Benefits


Help protect your employees and their families with group life insurance. Many employers offering employee benefits consider group term life insurance an essential part of their benefits package. It provides employees with a basic level of protection. Also, including voluntary term life insurance to your benefits package allows employees to purchase additional coverage for themselves and coverage for their dependents.

When employees have life insurance, it helps them financially protect their loved ones should the unthinkable happen. Life insurance provides a payment, also known as a death benefit, to beneficiaries after the insured person’s death and depending on the type of life insurance can be transferred tax free. Other types of group life insurance includes whole life, giving the insured guaranteed lifetime protection and access to cash value that’s guaranteed to grow. Universal life offers long-term protection for those who aren’t focused on accumulating cash value. Variable universal life offers long-term protection with the opportunity for cash value to grow based on market performance and can be accessed when you need it.


Help employees prepare for the unexpected with group accident insurance. Accidental injuries happen, and when they do they can have a big impact on an employee’s finances. Accident insurance is designed to help supplement key benefits by providing employees a lump-sum cash benefit after a covered accidental injury. Group accident insurance plans can be designed to pay an up-front, lump-sum benefit based on covered injuries received. Plans can be designed independent of services, tests or treatments, so employees can receive prompt payment. Also, benefits may be used any way the employee chooses, such as medical deductibles and copays, transportation, child care or lost income from missing work.

Help employees protect their income with group disability insurance. Group disability insurance protects your employees’ most valuable asset—the ability to earn an income, even if they’re too sick or hurt to work. Group disability insurance plans can be designed so that the employer can choose to pay for the entire premium or supplement with voluntary short-term or long-term disability insurance plans paid by employees. If an employee is temporarily disabled in the short-term, this benefit is used to replace a portion of the employee’s income. Examples of conditions may include the birth of a child, prolonged sickness, or recovery after surgery. Long-term disability benefits generally begin after short-term disability benefits end. Examples of conditions may include cancer, accidental injuries, and degenerative health conditions. Offering group disability insurance enhances your organization’s benefits package and can help attract and keep quality employees.


Help protect your employees health and well being with group health insurance. A large portion of Americans get their health insurance through group health insurance plans. Small business group health insurance plans generally work in the same manner as group health insurance plans offered by larger companies. Employer offered health insurance is a leading factor when applicant’s are choosing for whom to work. Group health insurance provides employees with the peace of mind that they have adequate coverage in the event of illness or injury without drowning in debt to receive treatment or in other cases forgo treatment rather than incurring out of pocket medical expenses. Group health insurance plans can be tailored to the employers preference, allowing employees to choose from multiple plan options covering all costs or voluntary health plans where employees contribute to a portion of the costs. Monthly premiums are typically shared between the employer and employees, and dependents can usually be added to the policy as well. Employers can choose to include basic health and medical plans or premier health plans that can include access to health and wellness programs, dental or vision coverage.