“Hope for the best, plan for the worst.”
—Author unknown

As much as we would all like to think “it will never happen to me,” the reality is that none of us knows what the future holds. Ancillary risk mitigation benefits play a critical role in helping your employees deal with the burden of unexpected events and financial loss.

Even with this realization, insurance is not something people want to buy. It is part of human nature to put things off and to not acknowledge the need – which sometimes occurs only after an untoward event, and then it’s too late. Further, insurance is confusing which adds to the cycle of procrastination.

A big part of our job is to help your employees understand financial risk and affordable risk protection options. When employees feel protected they have less stress and they are appreciative of the employer providing them the solutions. Many times, employees with existing risk cannot buy insurance on the open market and therefore can only access protection via their employment arrangement.

Part of our different thinking, better outcomes approach to help you determine which of our wide-range of employer-funded and employee-paid risk protection solutions best meet your benefit objectives and the diverse needs of your employees. In addition to the traditional employer-funded benefits such as Life Insurance and Accidental Death and Dismemberment, Short Term and Long Term Disability, employers that offer employees options to customize their benefits package through the addition of voluntary products can strengthen their ability to attract and retain a quality workforce.

New voluntary products are becoming increasingly popular with employees to meet their changing lifestyles and financial needs, including:

  • Supplemental Medical Plans: Accident, Critical Illness, Cancer and Hospital Indemnity Insurance
  • Supplemental Income Plans: Universal Life or Whole Life Insurance with Long Term Care benefits and Supplemental Disability Insurance
  • Identity Theft Protection
  • Legal Services
  • Employee Assistance Programs
  • Leave Management Assistance
  • Pet Insurance
  • Long Term Care Insurance
  • Auto and Homeowners’ Insurance