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Voluntary Products and Services

Empower Your Employees

Offer your employees a spectrum of Voluntary benefits and let them choose what matters most to them.

Extra Protection at Affordable Rates

You can’t always pay for every employee benefit. Offering Voluntary benefits gives your employees a range of great options at more affordable Group rates. They can choose benefits that work best for them and their families.

Smart Features

Offer attractive benefits without breaking your budget.

Focus on Affordability

Group rates that can make coverage more affordable than individual plans. 

No Premium for Employers

Premium is paid 100% by employees. 

Rely on Simplicity

Easy administration, from enrollment through billing. 

Coverage Combinations for Everyone

Help your employees achieve financial security by letting them choose the right combination of Voluntary benefits for their situation.

Life and AD&D Insurance

Protect Families 

Offer employees and their loved ones a measure of financial protection after a loss. Life insurance can help pay for final costs, living expenses or college tuition. Accidental Death and Dismemberment insurance can help if an employee survives a serious injury as a result of an accident.

Do you already offer basic Life insurance? Some employees may want additional Life insurance as part of their strategic financial plans.

Explore Life and AD&D Insurance

Supplemental Insurance Options

Protection for the Unexpected 

Give your team the option for protection from the financial blow of an accident, serious illness or injury, or hospital stay. Employees receive direct payments to spend on anything they need — from copays and deductibles to child care and alternative therapies. Most plans even pay employees an annual benefit for health maintenance screenings.1

Accident Insurance

Critical Illness Insurance2

Hospital Indemnity Insurance

Pair Gold-Star Service With Easy Tools

Your employees can rely on customized tools, simple billing and easy enrollment — no matter which systems and platforms you use.

Flexible Online Enrollment

Ready EnrollTM is our advanced online enrollment system. It provides a flexible, simple and secure way to streamline enrollment and administration.

Watch Our Video About Ready Enroll

Enrollment Technology

We’re flexible and easy to work with. Our services include:

  • Pre-enrollment consultation with our team
  • Plug-and-play self-service enrollment tools
  • Online enrollment solutions — including our Ready Enroll platform and benefits administration service
  • Product videos
  • Partnership with an enrollment firm of your choice (Optional)
Employee Education

We provide customized tools — online and off — to help employees understand their benefit options, including:

  • Voluntary Decision Support Tools*
  • Persona-based Decision Support Tool with valuable Human Resources Analysis Report*
  • Omni-channel communication campaigns
  • Onsite meetings for groups of 250+ lives with at least 50 at a location*
  • On-demand enrollment materials: employer-tailored posters, postcards and coverage highlights

* Based on product type. Group size and location requirements must also be met.

Flexible Benefits Administration

We offer consolidated billing with a flexible format and payment options, including: 

List Bill 
One bill, one payment and one stop for member maintenance. 

Summary Bill 
A summary of covered lives, volume and premium by product. Enrollment and member maintenance are available via a data feed. Manage STD, LTD, Life or AD&D insurance via a self-administered bill. 

Research & Insights

Explore the latest research and insights from our experts.

Explore Everything

Grow your benefits package with smart products and services designed for you and your teams.
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