We offer a broad range of benefit options so employees can get the financial protection they need.


Accidents happen. Are employees prepared? Accident insurance provides benefits to help offset out-of-pocket medical expenses such as deductibles, coinsurance and copays. Most plans are designed to pay cash indemnity benefits directly to the policyholder based on specific injuries. So they can use their benefit to help take care of unexpected expenses.


Focus on the care, not the cost. As serious as the threat of cancer may be, new and improved treatments are being introduced daily – but with high technology comes high costs. Cancer insurance is designed to help policyholders deal with the financial problems that are often associated with cancer detection and treatment. Plans pay cash indemnity benefits directly to the policyholder so they can use these funds to help with the direct medical expenses and to help with many of the non-medical costs related to cancer diagnosis and treatment.

Critical Illness

Did you know that half of all bankruptcies are due to critical illnesses? Critical Illness insurance helps policyholders deal with the financial gap often incurred when faced with a critical illness. There are many plan design options available to choose from. Some pay lump-sum benefits. Others pay indemnity benefits based upon treatment received.


Brushing and flossing are easy ways to protect smiles, but they are not always enough on their own. Unfortunately, a trip to the dentist’s office can be costly. Dental insurance provides policyholders with financial protection – especially for procedures such as crowns, root canals and oral surgery.


One of the most valuable assets we have today is our ability to earn an income. Sadly, most Americans are just one pay-check away from financial difficulty. Disability insurance replaces a portion of income if unable to work for a few weeks, months or indefinitely due to an injury, illness or even a routine maternity leave.

Discount Programs

Looking for a bargain but not sure where to begin? Providing your employees with resources to save on everyday expenses such as movie tickets, local restaurants and many other items not only enhances your overall benefits package, but helps employees stretch their hard earned dollar.

Employee Assistance Programs

With the day-to-day challenges a lot of Americans face, keeping a positive state of mind can be difficult. EAP programs provide personal and confidential assistance to help support employees facing personal, work and end-of-life issues.

Financial Wellness & Education

No matter how well employees may be taken care of at work, many face considerable financial stress – and they can bring these problems to work. These distractions can impact employees’ productivity and your bottom line. Providing financial wellness & education tools to employees can help relieve them of some of their financial distractions and let them get back to concentrating on their work.

Medical Gap or Indemnity Plans

As deductibles, copays, coinsurance and prescription costs continue to rise, medical debt is now the single largest cause of consumer bankruptcy. Providing employees with a soft landing when faced with these higher costs can help alleviate some of their financial distress when faced with a hospitalization, outpatient surgery, or expensive diagnostic procedures.

Life Insurance

Employees count on their employer for most of their benefits, including life insurance. Offering both cash value and term life insurance options can help with financial protection regardless of the stage of life – getting married, having children, planning for retirement. Cash value plans provide stable components such as coverage amount, premium, and cash value accumulation. Term plans offer higher coverage amounts at lower premiums for life stages where coverage needs are greater.

Long-term Care

Being financially ready for the possibility of requiring long-term care is an important part of retirement planning. Long-term care insurance provides benefits to help with out-of-pocket expenses that come with home care, assisted living and nursing homes.

Identity Theft

Identity theft affects millions of Americans each year. Victims spend an exorbitant amount of time and money dealing with the resulting fallout. Often that time is spent while at work.

Identity theft protection provides employees with professional services to help them monitor, protect and – if necessary – restore their identify in the unfortunate event of an identity compromise.

Legal Services

Employees regularly encounter legal situations and issues that they don’t know how to handle or who to turn to for professional legal advice. Providing employees access to affordable legal services can help them with everyday issues such as buying a car, signing a lease, or preparing a trust or will. Legal services can also be helpful in the case of child custody issues, divorce and IRS audits.

Pet Insurance

Pet insurance is fast becoming one of the most requested benefits at work. When an employee’s four-legged family member is sick or injured they want to pursue the best care possible. Pet insurance provides employees with peace of mind that they are able to provide their pets with excellent care without worrying about how to pay for the unexpected veterinary expenses.


Eye health care examinations are often overlooked – especially by those who do not require prescription assistance, but vision health is more important than people realize. Serious medical conditions can also be found during a routine eye examination – such as diabetes, glaucoma, high cholesterol and high blood pressure.


Wellness programs have become an effective resource to help with rising health care costs, but only if employee engagement is achieved. We can help structure programs and assist in driving participation through awareness and provide a confirmation of employees’ acknowledgment so employers can measure the impact of their programs and communications.