Workplace Benefits
Voluntary coverages that can help employers strengthen the benefits offering for their workforce
Workplace benefits can give employees access to valuable insurance protection through their employer while helping businesses offer additional benefits beyond traditional health coverage.
I work with business clients to explore workplace insurance solutions appropriate for their organization, workforce, and benefits strategy.
Group Whole Life Insurance
Group Whole Life Insurance provides permanent life insurance protection through the workplace at a level premium, with a death benefit and cash value component that can be accessed for any reason. When offered at a group rate, policy premiums may be lower than for policies purchased individually.
Depending on the policy and plan terms, coverage may also offer the added benefit of portability, allowing the policyholder to continue coverage after leaving an employer.
Group Universal Life Insurance
Group Universal Life Insurance provides permanent life insurance coverage with greater premium flexibility than traditional whole life insurance.
Depending on the policy, premiums and account value can be structured to accommodate changing financial needs over time.
Group Critical Illness Insurance
Group Critical Illness Insurance can provide a lump-sum benefit following a covered diagnosis, such as certain serious illnesses or medical conditions.
The benefit may be used according to the policy terms and can provide additional financial resources during a challenging period.
Group Accident Insurance
Group Accident Insurance can provide a lump-sum benefit following covered accidental injuries.
Depending on the policy, benefits may help provide additional financial support for expenses associated with an accident and recovery.
Why Consider Voluntary Benefits?
Workplace insurance benefits can help employers expand their benefits offering while giving employees additional opportunities to protect themselves and their families.
Depending on the employer and plan, voluntary benefits may:
Complement existing health and retirement benefits
Give employees access to additional insurance protection through the workplace
Provide benefits that may be available through payroll deduction
Help employees address financial risks that may not be fully covered by other benefits
Give employees options to consider based on their individual circumstances
A Consultative Approach
Every employer and workforce has different needs. I work with employers and their benefits professionals to explore available workplace insurance solutions and identify options that may be appropriate for the organization and its employees.
Product availability, eligibility, underwriting, costs, portability, and policy features vary by carrier and plan*.
Ready to explore workplace benefits?
Let’s discuss your organization, your workforce, and the types of voluntary benefits you may want to offer.
Complete the brief form below, and I’ll review your information and follow up within two business days.
*Licensing does not guarantee that every insurance product or carrier is available in every state. Carrier appointments, underwriting requirements, product availability, and eligibility vary by state and by individual risk.
If I am not currently licensed to offer the insurance solution(s) you are seeking in your state, I may be able to obtain the necessary licensing or connect you with a licensed professional who can assist you.
