Life, Death & Disability Products

Life insurance provides for loved ones in the event of an untimely death. It can be one of the wisest decisions a person can make to protect those who financially depend on them.

Long-Term Disability insurance provides a convenient, economical way of securing an income while an unexpected injury or illness prevents your employees from working.

Accidental Death and Dismemberment (AD&D) coverage pays additional benefits if a death or an injury occurs due to an accident.

Accident insurance provides cash directly to the insured individual for unexpected costs from an accidental injury.

Enhanced Solutions: Municipalities — Designed specifically for municipalities and their employees, these solutions are included in our standard products and services at no additional cost.

Short-Term Disability plans pay benefits when sickness or injury prevents your employees from working full time.

Our Disability/Medical Integration product eases the disability claim process, enabling faster decision making through sharing medical information and cooperation between clinical health advocates and the disability team. This product is available for groups with Medical/Health Advocacy and Disability coverage.

Critical Illness insurance pays cash directly to the insured individual for unplanned expenses from a critical illness.

Enhanced Solutions: Education — We have designed benefits specifically for education professionals and have embedded them into our standard insurance products at no additional cost.