Voluntary Benefits

Term Life Insurance might be right for employees who …

  • Are the primary wage earners and have children under 18
  • Need more insurance than their group life plan provides

Disability Insurance might be right for employees who …

  • Need all of their take home pay should they become disabled
  • Can’t afford the ongoing costs of a disability such as COBRA,
    rent/mortgage, tuition, savings and all normal living expenses

Accident Insurance might be right for employees who …

  • Could not afford uninsured medical expenses after an accident
  • Would have trouble meeting living expenses without their income

Critical Illness Insurance might be right for employees who …

  • Want to seek the very best treatment, regardless of cost
  • Have a family member who has had cancer or other critical illness

Top 5 critical illness claims:  Heart Attack … Cancer … Kidney Failure …
Stroke … Coronary Artery Bypass Surgery …according to a MetLife study

Long Term Care Insurance might be right for employees who …

  • Cannot afford to self-insure stays in a nursing home
  • Have a family history suggesting the need will be there

Indexed Universal Life Insurance might be right for employees who …

  • Want tax free cash value accumulation tied to market growth
  • Protection from market losses which means no downside risk

By allowing us to introduce these valuable benefits to your employees, they could potentially receive both better pricing and superior products than if they tried to go it alone.
If any one of these voluntary products interests you or you would like additional information, please contact us via one of the links below …

Russ Swallow

Licensed Insurance Adviser

email

508-831-0805

(Worcester, Massachusetts)

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