Voluntary Benefits

In 2017, voluntary benefit programs that supplement the employer-paid group benefits are an essential part of the package.  Higher deductibles on group health insurance make so called "GAP" style plans more important than ever.  The ever increasing competition between insurance carriers means that better products are being introduced.  This means that a sophisticated selection of these offerings -- AS OPPOSED to simply offering a program from one carrier -- means better value, better integration with your overall benefits package, and higher satisfaction among your people.  In addition, the development of Internet-based enrollment solutions means you can now integrate these programs directly into your HRIS.  

Our expertise in this area allows us to design and implement the best possible voluntary benefits portfolio for your firm.  Options include:

  • Term Life to 100

  • Insured Savings Plan (low commission cash value Indexed Universal Life)

  • Short Term Disability Buy-Up (in NJ and NY)

  • Long Term Disability

  • Accident

  • Hospital Indemnity

  • Critical Illness/Cancer

  • Dental

  • Vision

  • Legal Plan

  • Pet Insurance

  • Homeowners & Auto

  • And More