Voluntary products
Voluntary benefits are a natural extension to the employer-sponsored group products already being provided for employees, such as life, disability and health care coverage. A comprehensive benefits program that includes voluntary products can make the difference in recruiting talented employees.
Voluntary benefits are 100% employee-paid, but allow employees to save because they are offered at discounted group rates. Employees can make their premium payments for these benefits through convenient payroll deduction.
To review voluntary product information, select a plan below.
Group Term Life 
Optional life insurance for additional financial protection
Accidental Death and Dismemberment 
Optional coverage to supplement group term life
Short Term Disability 
Optional short-term income protection
Long Term Disability 
Optional long-term income protection
Dental 
Optional dental coverage
Dependent Life 
Optional life insurance for family members
Cancer plans 
Supplemental coverage for cancer related losses
Accident plans 
Supplemental coverage for accidental injury and deatth
Critical Illness plans 
Lump sum payment upon first diagnosis of a covered critical illness
Hospital Confinement plans 
Supplemental coverage for inpatient hospital stays; also good for groups with HSA-qualified plans
