Group Insurance Products

Short Term Disability, or Paycheck Insurance, provides weekly paid benefits in the event of total disability from a non-occupational accident, sickness or pregnancy leading to a loss of income. Short-Term Disability is a practical solution to securing your lifestyle while you recover from an illness or injury.

Long Term Disability provides monthly paid benefits that can potentially continue to pay out until the recipient reaches Social Security Normal Retirement Age in the event of long-term disability or illness such as lupus or autoimmune disorders. Long-Term Disability is 24-hour coverage, integrating into other benefits such as pension and 401K.

Accident Insurance benefits clients dealing with the impact of an accident-related incident by providing scheduled payments directly to the beneficiary. Clients can use these payments for any service that they require after the accident, including childcare, groceries, and utilities.

Cancer Insurance is a service that covers payments that medical insurance may exclude in the event of a cancer diagnosis, such as copays, coinsurance, and deductibles. Cancer Insurance is available as a scheduled or lump sum policy paid directly to the beneficiary.

Critical Illness Insurance covers urgent medical health issues such as heart disease and stroke. Critical Illness coverage pays a lump sum directly to the beneficiary, protecting individuals from financial struggle following the events of severe or debilitating illness.

Hospital Indemnity coverage alleviates financial burden caused by high deductibles, copays, and coinsurance when you or a family member is admitted into a hospital by filling in the gaps between your medical coverage and the hospital bill. These policies may include wellness benefits; some plans are Health Savings Account compatible.

Group Term Life Insurance grants your company the ability to guarantee your employees or union workers issue term life insurance at an affordable rate with no underwriting caveats.