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
Accidental death and dismemberment 
Optional coverage for death and loss of limb
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 spouse and children
Cancer plans 
Protection against losses due to disease
Accident plans 
Protection against costs due to accidental death or injury
Critical illness plans 
Lump sum benefit paid upon diagnosis
Hospital indemnity plans 
Supplemental coverage of inpatient hospital costs
