Insurance: Disability, Life, Dental, Accident & More
Disability Insurance
Provides financial protection to cover income loss from a covered disability.
Individual and Group Short-Term Disability
Replaces a portion of your employees’ income if they have an accident or illness and can’t work. Optional features include protection for psychiatric and psychological conditions and waiver of the elimination period for hospitalization. Also, now offering a solution to complement and supplement Paid Family Medical Leave (available in select states).
Life Insurance
Can provide financial protection for an employee’s family in the event of a covered death.
Individual Term Life
Term life is ideal for high-demand working years. Flexible benefit design offers four term options (10-, 15-, 20- and 30-year), family coverage, and a set death benefit payment. It can be renewed or converted to a whole life policy.
Group Term Life
Flexible benefit designs with both employer and employee-paid options. Allows employees to purchase additional coverage at group rates. It’s portable and convertible to a whole life policy under certain conditions.
Individual Whole Life
Provides protection for a lifetime. Features guaranteed level premiums and increasing cash values over time. Your employee may purchase the option to increase coverage on the second, fifth, and eighth policy anniversary without answering health questions.
Dental Insurance
Provides coverage for a wide range of dental services, from routine cleanings to root canals. There are no waiting periods for preventive or basic services, such as fillings and simple extractions. Offers additional savings through a large national network of providers. Options available for orthodontia, vision, and an annual maximum rollover benefit.
Accident Insurance
From a fall to a car accident, this coverage offers a range of benefits to help cover medical or non-medical related expenses due to a covered accident.
Individual and Group Accident
Provides benefits to help cover initial care, such as ER visits or X-rays, as well as more serious needs, such as fractures and dislocations. Includes follow-up care, like doctor’s visits, and physical therapy to assist with recovery. Optional features include active lifestyle benefits and wellness.
Special Risk Insurance
Provides lump-sum benefits for a diagnosis of a covered critical illness or cancer, as well as ongoing benefits for treatment.
Individual and Group Cancer
Provides benefits for a cancer diagnosis and treatment. Option to add a cancer screening benefit.
Individual and Group Critical Illness
Provides lump-sum benefits for a covered critical illness, such as a heart attack or stroke. Optional features include cancer treatment, cancer recurrence, and a subsequent diagnosis benefit. Group critical illness also has heart benefits, infectious diseases, and progressive diseases riders available.
Hospital Confinement Insurance
Medical BridgeTM
Also called hospital confinement, provides benefits to help cover the cost of a hospital stay and other medical procedures, regardless of what health insurance pays.
Individual and Group Medical Bridge
Provides benefits for a range of procedures and medical events, such as hospitalization, surgeries, diagnostic procedures, ICU, and wellness screenings.
Accident, Cancer, Critical Illness, and Hospital Confinement insurance are limited benefit policies.
- Eligibility may vary.
- Benefits may be subject to a pre-existing condition provision.
- Except dental and vision.