Workplace voluntary benefits for large and small business

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Workplace Voluntary Benefits

These financial benefit solutions can help protect your business’s most important asset–your employees.

  • Three-quarters of American workers live paycheck to pay check1
  • The American Psychological Association reports money issues as the most common cause of stress.2

Workplace benefits help ease the financial challenges of rising health care costs for employees, while allowing you to attract and retain the best and brightest employees with a competitive benefit package that won’t strain the budget.

Our promise to you: Flexible, competitive benefits plan, at a group rate, with easy administration and guaranteed issue options.

Plan Overview Features


Arm your employees with coverage that can ease the financial pain of injuries. Accident plans pay actual expenses in a lump sum, up to the plan amount, for costs associated with an accident.

  • Optional well-being benefit
  • Reimburses all eligible accidents, as well as sprains and superficial injuries
  • No limits to the number of covered accidents3
  • Family coverage available

Critical illness

Provides a lump-sum benefit to your employees so they can continue to meet their financial obligations while focusing on recovery. You can customize critical illness plans to complement their current benefit packages – especially, high-deductible health plans.

  • Optional Well-being benefit
  • Lump sum payment to cover unexpected expenses
  • Family coverage available


Helps families stay afloat during a disability by replacing up to 60% of an employee’s lost income. The plan provides a monthly cash benefit that can help pay housing costs, food, car payments and any additional medical costs.

  • Combination benefits covering accidents, sickness or both.
  • Off-the-job coverage or 24-hour coverage
  • Guaranteed issue available, with no health questions

Hospital indemnity

Pays employees a lump-sum cash benefit when they’re hospitalized. These cash benefits pay in addition to other coverage. Benefits can be used however employees choose: to help pay medical bills and cover everyday expenses, helping them get back on their feet and back to work.

  • Optional Well-being benefit
  • Customizable benefit that complements High Deductible Health Plans
  • Guaranteed issue available with no health questions
  • Family coverage

Term Life

Level Term Life is especially needed during the “working years” when an employee is most likely to have a family, home or lifestyle that needs protection.

  • Accidental death, loss of sight and dismemberment benefit
  • Waiver of premium when disabled

Whole Life

Helps employees take care of their family's current and future financial obligations, depending on the type of policy.

Whole Life benefits can help meet both current and future financial obligations.

  • Accelerated living benefit for terminal illnesses
  • Optional family coverage
  1. Gibson, Kate, “Who lives paycheck-to-paycheck? You might be surprised,” CBS News Moneywatch, (link opens in new window) (accessed 3 March, 2017).
  2. American Psychological Association, “Stress in America: Paying With Our Health,” (link opens in new window) (accessed 3 March, 2017).
  3. Unlimited urgent care visits, 3 emergency room visits per calendar year


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