• Expand your benefits program without adding costs
• Achieve possible FICA savings and reduction in workers' compensation costs
• Help improve employee morale and retention
• Help meet more employees' economic needs at the workplace.
• Help contribute to employees' health through various wellness programs.
• Reduce administrative involvement.

• Obtain an opportunity to apply for policies at payroll rates.
• Have benefits paid directly to the insured, unless directed otherwise
• Apply for policies that may be pre-tax eligible,a nd are portable and guaranteed-renewable.
• Apply for policies that may help with expenses not covered by core company plans.

Accident Insurance

• Emergency Treatment Benefit
• Specific-Sum Injuries Benefit
• Accidental-Death Benefit
• Initial Hospitalization Benefit
• Plus Much More!

Short-Term Disability

• Selection of:
  • Monthly benefit amount
  • Elimination period
  • Benefit period
• Guaranteed-renewable to age 70
• Benefits paid directly to you unless you choose otherwise
• Benefits paid regardless of any other insurance

Cancer/Specified-Disease

• First-Occurrence Benefit
• Hospital Confinement Benefit
• Radiation and Chemotherapy Benefit
• Cancer Screening Wellness Benefit
• Plus Much More!

Hospital Confinement Indemnity

• Hospital Confinement Benefit
• Rehabilitation Unit Benefit
• Surgical Benefit
• Plus Much More!

Specified Health Event

• Pay a First-Occurrence Benefit as well as Hospital Confinement and Continuing Care Benefits for:
  • Heart attack & coronary artery bypass surgery
  • Stroke
  • End-stage renal failure
  • Major human organ transplant
  • Major third-degree burns
  • Coma
  • Paralysis

Hospital Intensive Care

• Daily ICU Confinement Benefit
• Daily Subacute Unit Confinement Benefit
• PLUS MUCH MORE!