Voluntary Benefits

Individual Disability – A short-term disability product that replaces a portion of income for on/off-job or off-job only disabilities. 

Individual & Group Term Life – A term life insurance product that offers three level term options (10-, 20- and 30-year)

Individual Whole Life – A permanent whole life insurance product that provides guaranteed level premiums, guaranteed cash values and a guaranteed death benefit

Individual Dental – A dental product that provides benefits for a variety of dental procedures, from routine cleanings to more advanced procedures, such as crowns and root canals.

Individual Accident – A guaranteed-issue, composite-rated, guaranteed-renewable with employer-optional benefits available.

Individual Cancer –  pays indemnity-based benefits to help cover medical and non-medical expenses 

Individual Critical Illness – provides a lump-sum benefit 

IndividualMedicalBridgeSM –A hospital confinement indemnity product that supplements your core medical coverage