Individual Insurance

 

Sometimes the benefits within a group benefits program are just not inclusive enough to attract and retain the best employees your industry has to offer, or to protect your company into the future.

 

Critical Illness Benefits

Critical illness happens without warning and can have devastating results. While disability insurance can be of benefit for a more immediate and short term injury or illness, critical illness coverage ensures that you are looked after if you or your employees are diagnosed with a more serious, long term condition. It can help you in your treatment plan to get better as well as keep your finances healthy.

 

Life Insurance Benefits

Many carriers provide a mandatory level of life and accidental death insurance for each of your employees. While we believe that employees should have their own private coverage based on individual family needs, we can recommend various levels of insurance to help you feel comfortable that you’ve provided assistance should a tragedy ever occur.

 

Disability Benefits

As small business owners, we’ve all worried about the consequences if for some reason we weren’t able to work and earn a living for our families. It’s a thought that has probably caused us all to have a sleepless night. Fortunately, today’s group benefits programs cover short and long term disability situations. Whether it’s a broken leg that keeps you off your feet for a couple of months or a stroke that requires years of recovery, a properly designed disability benefit will ensure that you and your family continue to live the lifestyle you’ve provided for them.