Policy Information

Flexible Spending Accounts

A Flexible Spending Account is a special account you put money into that you use to pay for certain out-of-pocket health care costs. You don’t pay taxes on this money. This means you’ll save an amount equal to the taxes you would have paid on the money you set aside.

Dental Plan

Proper dental care is important and taking care of your oral health is an investment in your overall wellbeing. By seeing your dentist regularly, you can catch dental problems before they get too serious and require more extensive and expensive procedures.

Vision Plan

A routine eye exam is important not only for correcting vision problems, but for maintaining healthy eyes and overall health wellness. Eye care providers are trained to teat for and diagnose a variety of health issues, not just eye problems. Take the time to get to know your vision plan and start experiencing healthy eyes and healthy living.

Cancer Plan

With the rates of cancer increasing, cancer treatment can lead to unexpected expenses to add to your financial burden. Cancer coverage fills in the gaps your medical insurance doesn’t cover. Benefits are paid directly to you and can be used for a variety of purposes.

Accident Plan

Accident insurance helps you pay for the medical and out-of-pocket costs that you may incur after an accidental injury. This includes emergency treatment, hospital stays, and medical exams, and other expenses you may face, such as transportation and lodging needs.

Hospital Indemnity Plan

Hospital indemnity insurance is a supplemental policy designed to provide additional financial support during hospital stays. It pays a fixed cash benefit directly to the insured for each day they are hospitalized, helping to cover out-of-pocket expenses that traditional health insurance may not fully address, such as deductibles, copayments, transportation, and lodging costs for family members.

Critical Illness Plan

Critical illness insurance is a type of coverage that provides a lump-sum cash benefit upon the diagnosis of a serious illness specified in the policy, such as cancer, heart attack, or stroke. This benefit can be used at the policyholder’s discretion, helping to cover medical expenses, treatment costs, and other financial burdens like mortgage payments, utility bills, and everyday living expenses. 

Short & Long-Term Disability Plan

Disability insurance is a crucial form of coverage that provides financial protection by replacing a portion of an individual’s income if they become unable to work due to illness or injury. It helps ensure that essential expenses such as mortgage payments, utility bills, and daily living costs can still be met during a period of disability.

Term Life Plan

Needs change over time, and flexible term insurance can mirror those changes. It acts as temporary insurance to meet your temporary needs. The necessity to provide protection for a family starts out high, but generally diminishes over time as children reach maturity and savings plans accumulate.

Employee Assistance Program (EAP)

An Employee Assistance Program (EAP) is a confidential service provided by employers to support employees with personal or work-related issues that may affect their well-being or job performance. EAPs offer resources such as counseling, legal advice, and financial guidance, helping employees manage stress, mental health, and other challenges. This benefit promotes a healthier, more productive workforce by addressing concerns before they escalate.

Universal Life Plan

Universal life insurance is a flexible, permanent life insurance policy that combines a death benefit with a savings component. It offers policyholders the ability to adjust their premiums and death benefits to suit their changing financial needs and goals. Part of the premium payments goes into a cash value account, which earns interest over time and can be accessed or borrowed against by the policyholder. This policy provides lifelong protection while also serving as a financial tool for accumulating savings, making it a versatile option for long-term financial planning and security.