Custom Benefits
Business Life Insurance
Group Insurance
Employer-Sponsored Programs
Business Life Insurance
The loss of a key employee - whether it is because of an unexpected death or disability - can be crippling for a business. If you lose an important member of your team, business life insurance can cushion the blow and help your business return to normal as quickly as possible.
Our business life insurance products can provide for the financial needs of a business if the owner dies or becomes disabled. If a partner or owner in your company dies, the life insurance proceeds can be used to buy out the deceased partner's interest, ensuring that you will not be saddled with an unwanted partner or stockholder. And it also provides funds to attract and train a replacement to fill the spot left by a departed employee.
In addition, we can provide insurance for executive compensation arrangements. In a time when attracting and keeping top-level people is critical to success, this innovative coverage can help you maintain the talent you have by encouraging employee commitment through deferred-compensation arrangements and tax-favored plans that reward performance.
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Group Insurance
In today's competitive business environment, reducing costs can be an important survival strategy. One way in which some companies are saving money is by self-funding their health insurance. An important component of a self-funded healthcare plan is a highly specialized line of coverage known as stop loss coverage. Stop loss coverage provides protection if the liability for health claims exceeds either your individual or aggregate stop loss deductible.
We also offer a complete line of group life, short-term and long-term disability income insurance, and employee-choice products to cover the needs of employers and employees.
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Employer-Sponsored Programs
Employer-Sponsored Programs provide insurance coverage to employees at their place of work. These programs help employers attract and keep valuable employees by increasing employee satisfaction. They provide a wide range of benefits and can be paid through the convenience of payroll deduction. Some coverages are also available for the employees' family and in some cases products are guaranteed issue and portable, which means employees can keep their policy even if they terminate employment.
Our employer-sponsored programs include supplemental life and health insurance, as well as voluntary individual life and disability income insurance.
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