Offers lifetime protection, into retirement years, with a guaranteed death benefit that will not change as long as the premiums are paid. A portion of the premiums paid accumulates as cash value over time. This cash value grows on a tax-deferred basis, and policyholders can access it through loans or withdrawals for various financial needs.

Critical Illness insurance complements major medical coverage by providing a lump-sum benefit that can be used to pay for the direct and indirect costs related to a covered critical illness such as a heart attack, cancer, or stroke.

Hospital confinement indemnity insurance provides a lump-sum benefit for a covered hospital confinement or outpatient surgery to help offset the gaps that aren’t covered by most major medical plans. This type of coverage can provide employees with a soft landing if you need to move to a major medical plan that has higher out-of-pocket costs.

A variety of life insurance products enable your employees to tailor coverage for their individual needs. As your employees’ needs change over time, they can update their coverage for each stage of life – whether they’re getting married, having children or getting ready for retirement.

With health care costs rising, it’s important to do everything you can to help your employees prepare for life’s sudden turns. Our accident insurance can help offset the unexpected medical expenses that can result from a fracture, dislocation or other covered accidental injury.

Regular dental care is an important part of maintaining overall health. However, dental cleanings and procedures aren’t usually covered by health insurance, potentially leaving your employees with bills to pay. Offering dental insurance encourages better dental care, creates a more competitive benefits package and helps reduce out-of-pocket expenses for an array of procedures.

Replaces a portion of your income if you are unable to work because of a covered accident or illness. Both short-term and long-term plans are available. By providing disability insurance, employers demonstrate to their employees a commitment to the well-being of their workforce.

Provides coverage for your vision care costs including glasses, contacts, and more. This can help reduce the out-of-pocket expenses for obtaining necessary corrective lenses.