Accident Insurance (all injuries treated by a doctor) provides immediate cash benefits to assist with the unexpected costs of a covered accident. Accident coverage helps fill the increasing financial gaps left for employees, their spouses and dependent children through their health insurance coverage. Off job only coverage and 24/7 coverage available, also includes Accidental Death Benefits and wellness benefits.

Health care costs continue to rise, along with health insurance deductibles and co-payments. Some employers are holding down costs by moving to major medical plans that provide reduced benefits for out-of-network coverage. Critical Illness like Cancer coverage can help fill gaps caused by increasing deductibles and can provide benefits that can be used to help pay for out-of-network specialists.

Just as importantly, this product also pays annual cancer-screening tests benefit to encourage employees to have regular screenings, improving their chance of survival if they do develop cancer.

Health care costs continue to rise, along with health insurance deductibles and co-payments. Some employers are holding down costs by moving to major medical plans that provide reduced benefits for out-of-network coverage. Critical Illness insurance can help fill gaps caused by increasing deductibles and can provide benefits that can be used to help pay for out-of-network specialists. Just as important, this product also pays an annual wellness screening benefit to encourage employees to have regular screenings.

We offer a variety of employee-paid voluntary cash value life and term life insurance products through the convenience of payroll deduction. And unlike traditional group coverage, employees can take this coverage with them if their employment changes.
We offer a variety of employee-paid voluntary cash value life and term life insurance products through the convenience of payroll deduction. And unlike traditional group coverage, employees can take this coverage with them if their employment changes.

Identity theft has been the top consumer complaint filed with the FTC for 15 years straight. Victims are spending an exorbitant amount of time and money dealing with it and doing it at the workplace. That’s why you need a company that’s more than a website. You need an established institution that understands all the potential threats, how to prevent them and how to restore any damage done.

Is your high-deductible major medical plan causing a strain on your employee's finances? Gap insurance may help relieve the financial worry by helping to cover some of the out-of-pocket expenses that are not covered by your major medical insurance. Benefits can be paid directly to you or assigned to a chosen hospital, treatment facility or physician. With many Gap plans there is no need to deal with claims the carriers do all filing of claims all you need is your insurance card.

Coverage can include; Inpatient benefits, Outpatient benefits, Ambulance, Physical Therapy

Hospital Insurance coverage provides benefits to employees to help pay for deductible and coinsurance costs, as well as everyday living expenses. This plan is designed to help fill the gaps left by most major medical plans today. Benefits are paid directly to employees unless otherwise specified. As the employer, there are several plan options available to you so you may tailor the best plan offering for your employees.Benefits such as; hospital admission, daily confinement, emergency room, ambulance, surgery and more.

Employees depend on their income to pay for housing, food, clothing, their children's education – all the necessities of life. For most employees, a disability means not only difficulty meeting these financial obligations but also increased out-of-pocket medical costs. Disability Insurance replaces a portion of your employee’s income if he becomes unable to work because of a covered accident or sickness. Learn how Disability Insurance can provide financial security to employees and their family.

Regular dental care is an important part of maintaining your overall health. Unfortunately, a trip to the dentist's office can be costly. Dental Insurance helps cover costs such as; routine cleaning, X-rays, crowns, root canals, oral surgery and more. Dental insurance can help encourage frequent dental care, and provide peace of mind to consumers. In fact, employees rank dental insurance as the second most desired benefit after medical insurance.

Vision insurance helps provide coverage for basic benefits like eye exams and prescriptions, but it also pays cash benefits for eye disorders/diseases, eye surgeries and more.

Long Term Care Insurance helps pay for the cost of long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid, such; assisted living, home healthcare, adult daycare and nursing home care.

A unique plan that covers both needs. No matter what you will use this plan. Guaranteed issued option which means No health questions up to $200,000, higher amounts available with some underwriting. Designed to accelerate Death Benefit at 4% per month for up to 25 months to pay for assisted living, home healthcare, adult daycare and nursing home care Example: With a death benefit of $100,000, $4,000 per month is available for 25 months to pay for long-term care and it does not reduce the death benefit.