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.

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.

Cancer insurance provides financial support if you’re diagnosed with cancer, helping cover costs that major medical plans may not, including treatments, hospital visits, and outpatient care. It offers a safety net to help manage unexpected expenses so you can focus on recovery.

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.

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.

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.

Medical gap coverage helps fill the financial gaps left by your major medical plan, such as deductibles, coinsurance, or copayments. It provides a lump-sum benefit for covered hospital stays, surgeries, or other medical events, giving employees peace of mind and extra financial protection when unexpected healthcare costs arise.

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.

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.

Provides employees with access to a structured savings plan and/or comprehensive wellness care for their pets. Designed to support routine veterinary visits, preventive services, and unplanned medical expenses, ensuring employees have the resources to maintain the health and well-being of their pets while managing costs effectively.

Provides employees with safeguards against identity theft and access to professional legal support. Employees receive protection for their personal information, along with legal resources and guidance to address everyday needs and unexpected situations, offering peace of mind and financial security.