Voluntary life insurance is an optional benefit offered by some employers where the employee pays the premiums. The premiums, which are based on age and the amount of insurance purchased, may be less expensive than individual life insurance premiums because of an employee group discount.

Life insurance offered by an employer or large-scale entity (i.e. association or labor organization) to its workers or members. Group life insurance is typically offered as a piece of a larger employer or membership benefit package.

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Nearly two-thirds of U.S. bankruptcies are the result of medical expenses and 78%** of those filing for bankruptcy had health insurance. This Group Critical Illness Coverage has been designed to allow individuals an easy and affordable way to provide for their additional financial needs, so they can focus on getting well.

* Harvard Study: Bankruptcy 2009

Our Group Accident Insurance Plan is a strong supplement to primary medical insurance. It provides cash benefits for medical treatment received for accidents, injuries, ambulance services, hospitalization, and accidental death.

This plan is designed to be a strong supplement to existing medical coverage by filling the gaps created by rising deductibles, increasing co-payments, and higher out-of-pocket maximums. It pays cash benefits when an employee is hospitalized or receives other medical treatment covered under the plan.