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Workplace Benefits

WORKPLACE BENEFITS

Workplace Benefit: Accident
Each year, more than 10% of people sought medical attention or suffered at least one day of activity restriction because of an injury. On average every hour, there are 11 unintentional-injury deaths and about 2.3 disabling injuries.

Accident insurance pays a lump sum benefit on or off the job accidental injuries, plus some medical benefits.

Accident policies offer benefits that pay on a cash basis directly to the insured and are available either individually or through an employer. These policies provide peace of mind, knowing that benefits are paid directly to you the insured and paid regardless of other coverage.

Because accident insurance is supplemental, it works in addition to other insurance so it can be used on its own or to fill a gap left by other coverage.
There are three benefit levels and have options of adding a Sickness Disability Income Rider Benefit, Benefit Enhancement Rider Benefit, and Wellness Plus Rider Benefit.

The policy includes benefits for:

• Dislocation or Fracture

• Loss of Life and Limbs

• Medical Expenses

• Ambulance

• Hospitalization Benefits

• Disability (Primary Insured Only)

Benefit Enhancement Rider Benefits Include:

• Lacerations Benefit

• Eye Surgery Benefit

• Skin Graft Benefit

• Blood and Plasma Benefit

• Paralysis Benefit

• Physical Therapy Benefit

• Brain Injury Benefit

• Burns Benefit

• Plus many others

If you are interested in your employer offering these benefits, contact us and we will help walk you through the process.

Workplace Benefit: Critical Illness
With advancements in medical technology and treatment, people are living longer and once deadly diseases are being controlled and cured. One way to help protect oneself, family, and finances is to purchase a critical illness insurance policy, which pays a lump-sum cash benefit when you are diagnosed with a critical illness.

Benefits are paid directly to the insured or beneficiary and are paid regardless of coverage from other insurance policies. These are guaranteed renewable for life, subject to change in premiums by class.

With our Critical Illness insurance coverage, you have the option of adding a Critical Illness Cancer Benefit and a Wellness Benefit.

Critical Illnesses Covered:

  • Multiple Sclerosis
  • Organ Transplant
  • Heart Attack
  • By-Pass Surgery
  • Paralysis
  • Stroke

If you are interested in your employer offering these supplemental health insurance benefits, contact us and we will help walk you through the process.

Workplace Benefit: Disability Insurance
We cant predict if or when we might become disabled in our lifetime.
If a provider within a family became disabled and lost the ability to earn a paycheck, disability insurance coverage will help provide an income should a provider become disabled due to sickness or injury and are unable to work. The coverage provides a monthly income when it is needed most.

Like other Workplace Benefit policies we offer, the insured/beneficiary is paid directly and regardless of other insurance coverage. The benefit can be up to 60% of income and it is guaranteed renewable until age 70.

Benefits Coverage:

  • Total Disability
  • Partial Disability
  • Pregnancy
  • Recurrent Disability
  • Concurrent Disability

Workplace Benefit: Term Life Insurance
With Term Life Insurance you can have peace of mind knowing:

  • Term life insurance gives the beneficiary a source of funds
  • Premium can be conveniently deducted from a paycheck
  • Coverage renewable with no medical questions to answer or tests
  • Coverage last as long as premiums are paid

Term life insurance is ideal for providing life coverage for a specified term at affordable premium rates. It gives a beneficiary a source of funds which can be used to help continue mortgage payments, college education or other large expenses that dont stop with an untimely death. The peace of mind that comes from knowing your beneficiaries will receive your policys death benefit promptly.

Workplace Benefit: Universal Life Insurance
Did you know that you can purchase up to $150,000 in life insurance protection that is income tax-free upon death benefit to your beneficiary?
Life is too often cut short by an unexpected death in a family. Universal life insurance helps a family to continue life at the same standard of living.
Universal life insurance policies can help protect you and your family in case of a tragic death in the family. Custom and affordable plans can be created to suit your needs grow as a familys needs change.

Life Event Riders:

  • Spouse Term (Other insured)
  • Accidental Death Benefit
  • Waiver of Premium
  • Childrens Term
  • Long Term Care
  • Critical Illness

Workplace Benefit: Cancer Insurance
1 in 2 men and 1 in 3 women will get cancer in their lifetime. Although Cancer may not yet be preventable, some of the costs to a family can be prevented. Cancer and specified disease insurance can help manage the high expenses of treatment, preserve savings, and protect a family from financial hardship while allowing the patient to concentrate on getting well.

Other diseases covered:

  • Muscular Dystrophy
  • Multiple Sclerosis
  • Rabies
  • Tetanus
  • Typhoid Fever
  • Tuberculosis
  • Scarlet Fever
  • Among Many Others