Employer Benefits

• Quality employees seek benefit packages that offer additional coverage options.
• Offering additional coverage options can increase employee retention.

Group Rates

• Group enrollment lowers the individual premiums of the voluntary benefits.
• Group enrollment enables carriers to be more flexible with the benefit plan designs.

Favorable Underwriting

• Simplified underwriting makes disability and life coverage easier to obtain.
• In most cases there is also guaranteed issue underwriting (no health questions).