Accidents can happen and when they do, medical and non-medical expenses can start adding up. Our
accident insurance provides immediate benefits to assist with the unexpected costs of a covered accident.
Accident coverage helps provide employees with additional financial protection to help cover the medical
and non-medical costs of a covered accident.
Our Disability Insurance Portfolio
Employees depend on their income to pay for their housing, food, clothing, and their children’s education –
all the necessities of life. For most employees, a disability means not only experiencing difficulty meeting
these financial obligations but also increased out-of- pocket costs. Now more than ever, employees need
the added protection of short-term disability insurance, to help protect their paycheck and provide piece of
Help your clients provide our short-term disability insurance to their employees. Our plans are easier to
qualify for, and are available on a guaranteed issue or simplified issue basis, requiring little or no medical
Our Life Insurance Portfolio
Our personal life insurance products offer an easy answer for employers and their employees to help fill the
life insurance gap. We offer a variety of employee-paid voluntary cash value life and term life insurance
products through the convenience of payroll deduction. And unlike traditional group coverage, employees
can take this coverage with them if their employment changes.
Our Cancer and Critical Illness Insurance Portfolio
Our cancer insurance pays lump-sum benefits that can help employees pay out-of- pocket expenses
resulting from cancer treatment. Just as importantly, these products also pay an annual cancer-screening
tests/wellness benefit to encourage employees to have regular screenings, improving their chance of
survival if they do develop cancer.
Critical illness insurance is specified disease insurance designed to help employees and their families
maintain financial security during the lengthy, expensive recovery period of a serious medical event such as
cancer, heart attack or stroke. Our products help employees with the out-of- pocket medical and non-
medical expenses of a specified disease.
Our Supplemental Health Insurance Portfolio
Employers are looking for solutions to help offset the increases in health insurance premiums, while still
providing quality insurance coverage for employees. Therefore, they are shifting more of the costs,
including higher deductibles, coinsurance and co-payments, to employees and relying on other resources,
such as supplemental carriers, for help.
Our supplemental health products provide benefits to employees to help offset the larger financial
exposures for out-of- pocket medical and non-medical expenses related to events such as hospital
confinement, outpatient surgery, diagnostic tests resulting from a covered accident or covered sickness.