Voluntary Benefits
Critical Illness
A Critical Illness diagnosis changes your life in an instant. Impaired function, appointments, treatments, and medications can be overwhelming. Critical Illness Insurance provides financial support and guidance if you are diagnosed with a critical illness.
Accident Coverage
In the event of an accident, Accident Insurance provides you with cash benefits. Accident Insurance helps to mitigate your rehabilitation and care expenses, as well as lost earnings, while you recover.
Life Insurance
Life insurance protects your family when you are gone with non-taxable cash benefits. Life insurance provides funds to settle your affairs and replaces future earnings to ensure quality of life for your loved ones for years to come.
Accidental Death & Dismemberment (AD&D)
AD&D provides coverage in the event of accidental death or severe bodily injury, such as loss of limbs, eyesight, or hearing, resulting from an accident. AD&D pays out a predetermined benefit in case of a covered accident. It is often used as a supplemental insurance to complement traditional life insurance coverage.
Home & Auto Insurance
Home Insurance is the best way to protect your family home from unexpected interior and exterior damage. Home Insurance covers the structure of your home, as well as coverage for contents replacement, burglary, and even theft from your vehicle. Auto insurance provides coverage for your liability in the event of an accident, as well as important coverage for your vehicle, and your wellbeing.
Pet Insurance
Pet Insurance protects against large veterinary costs. It ensures you never have to choose between your financial wellbeing and your pet’s life. Pet insurance covers you for the unexpected veterinarian bills that arise in the life of pets, and provides coverage for some routine expenses.
Identity Theft
Identity Theft can be exhausting, painful, and time-consuming. Identify Theft Insurance provides important support and guidance in managing a theft of your Identity. It covers costs related to identity theft, including legal costs to reclaim your identity and repair your credit.
Home Warranty
A Home Warranty is an Insurance Policy that covers the costs of maintenance and repair of your home systems & appliances. Home systems include: electrical, plumbing, and HVAC. A home warranty can also provide coverage for your home appliances to protect you from large unexpected repair/replacement expenses.
Legal Expense
Legal Expense Insurance offers you coverage for legal costs incurred if you require legal representation. If you are sued or a party to a lawsuit, Legal Expense Insurance protects you from overwhelming legal fees and expenses. Common legal matters covered include breach of contract, latent defects, and negligence. Legal insurance can also cover notary fees and court costs.