Voluntary & Worksite Benefits


Voluntary and Worksite Benefits are used in addition to one’s health insurance as a way for individuals to protect themselves from costs that health insurance can not. The benefits form Voluntary Plans can be used to pay for anything including healthcare co-pays and alternative medicine. Group members can “voluntarily” select the plans that meet their needs and premium payments are payroll deducted.

Benefit Overview


Did You Know
Voluntary Benefits can…

  • provide cash you can use on any expense
  • be payroll deducted and payed per-taxed
  • create an imitate estate to protect family members in the event of death
  • provide coverage where health insurance can’t

Critical Illness:

Even with excellent medical insurance, just one critical illness, such as cancer, can leave an individual in a very tight financial situation. A Critical Illness Policy pays directly to the covered individual and can help pay co-pays, deductibles, and loss of income; it can even help pay for experimental treatment. Most policies cover illness such as cancer, stroke, heart attack, renal failure, and coma.


For most, the ability to earn an income is one’s most valuable asset. If this asset is taken away it can quickly become impossible to make house payments, car payments, purchase groceries and pay for medical costs. Voluntary Disability protects individuals and families from financial hardship by helping them obtain up to 80% of their regular income.


Anyone who has ever broken a bone or has a child who has knows that health insurance doesn’t cover all your out-of-pocket expenses. A Voluntary Accident Policy provides a sum of money in the event of an accidental injury including a broken broken leg, arm, hand, foot, hip, vertebra, skull, rib, and more. Most Voluntary Accident Policies provide additional benefits for Inpatient Hospital Confinement and Ambulance services and pay a benefit to a select beneficiary in the event of death.

Term Life:

Voluntary Term Life Insurance protects family members of a diseased “bread winner” by providing a lump-sum benefit to pay off a mortgage, pay for collage tuition, or pay for any expenses a “bread winner” normally supplied. It is purchased for a set time span or “term” and is essential for families who have not yet built a substantial inheritance that will protect family members from financial liabilities in the event of a “bread winners” death.