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Group Benefits · Ancillary

Supplemental Coverage That

Fills the Gaps

Even good health insurance leaves gaps deductibles, copays, and the everyday costs that pile up during an illness or injury. Ancillary (voluntary) benefits pay cash directly to your employees to help cover what major medical doesn’t, so a health event doesn’t become a financial one.

Voluntary products

Coverage Your Team Can add on

Accident Insurance

Pays set benefit amounts for injuries from a covered accident, on or off the job to help with costs health insurance may not cover.

  • Broken bones, dislocations & physical therapy
  • Crutches, wheelchairs & other medical aids
  • Copays, coinsurance & deductibles
  • Ambulance, hospital confinement & AD&D

Cancer & Specified Disease

Supplements major medical to help with the high cost of cancer treatment from screenings to everyday living expenses.

  • Cancer screening benefit
  • Surgery, radiation & chemotherapy
  • Home health care, hospice & nursing
  • Mortgage, utilities & travel to treatment

Critical Illness

Pays a percentage of the policy amount upon diagnosis of a covered serious illness, cash you can use however you need.

  • Heart attack & stroke
  • Major organ transplant & renal failure
  • Coronary artery disease, carcinoma in situ
  • Autoimmune diseases & annual screening

Hospital Indemnity

Pays a lump sum per hospital stay or covered outpatient surgery, directly to you, regardless of other coverage.

  • Hospital confinement (accident or sickness)
  • Covered outpatient surgery
  • Travel to & from the hospital
  • Family lodging & childcare

What they share

Built to follow your employees

  • Portable, keep it through a job change or retirement
  • Flexible plan designs & optional riders
  • Guaranteed renewable for life when premiums are paid
  • Cash paid directly to the employee
  • Coverage for spouse & dependent children
  • Premiums generally stay level they don't rise with age

Cancer and critical illness content contributed with permission of Jeffrey Schreiber, ARM.

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Round out your Benefits with Voluntary Coverage

Low cost to you, real protection for your team, let’s build the right mix.

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