Benefits

Term Life

An Individual life insurance product that offers three level term options (10,20,30 year term) with level death benefits and fixed rates. This policy protects you during that specified time period. Allowing you to have a high amount of insurance for a low premium rate.

Whole Life

Permanent policy that provides fixed premiums, cash value accumulation, and guaranteed death benefits. This policy has a savings component that allows you to borrow or take a loan against your life insurance throughout the years. Often used for Final expense or Funeral expenses.

Disability Insurance

Your biggest asset is your ability to earn an income. Protecting your paycheck is the most important thing you can do while working.  This policy replaces a portion of your paycheck (typically 60%) to help cover bills, medical costs, and daily living expenses in case of an accident, sickness or maternity leave.

Accident Insurance

Helps cover co-pays, deductibles, co-insurance or any other out of pocket expenses you may incur due to a covered accident that occurs either on or off the job. Pays out designated benefit amounts directly to the employee for car accidents, broken bones, sports injuries, slips or falls, back or knee injuries, etc. Allows the employee to cover either him or herself, or elect a family plan.

Critical Illness Insurance

Medical debt is one of the main reasons people fall into bankruptcy. This policy allows an employee and family elect a face amount of coverage that would be paid out directly to the family in the case of a diagnosis such as cancer, heart attack, stroke, kidney failure, etc.

Supplemental Health

Pays certain indemnity benefits to help cover out of pocket expenses related to covered hospital stays, outpatient surgeries, diagnostic procedures, and health screenings.

Dental

Allows you the freedom to see any dentist and receive the same benefit amounts. Plans cover for a variety of dental procedures, from routine cleanings to more advanced procedures such as crowns and root canals.