Health and Life

• Life Insurance
  Voluntary insurance policies, including critical illness, short-term disability, accident, dental, life insurance and more, pay the policyholder directly for unexpected costs associated with serious illness, injury or loss.
• Health Insurance
  Health care reform and increasing health care costs continue to drive demand for voluntary benefits and for good reason. As the cost of health insurance rises, employers continue to struggle to control their company’s health care expenses. Many have already passed more of the premium costs to employees and have increased deductibles, copayments or out-of-pocket limits. For many organizations, voluntary benefits may help solve a number of concerns and challenges that have surfaced during this time of health care financial insecurity.