Rising health care costs have driven many employers to re-configure the lines of coverage their companies provide. One way to mitigate the adverse affects of this trend is for employers to offer voluntary insurance, which can be wholly paid by the employees through payroll deductions – often on a pre-tax basis. These programs allow employees to select from a large variety of ancillary products.

Highlights of the most common voluntary insurance offerings include dental, vision, short/long term disability, term life, universal life, whole life, dread disease and critical illness, and long term care. These programs allow employees to tailor select coverage(s) that are of value to them and their families.

Some of our primary insurer choices for voluntary benefits include:

* Allstate
* AUL
* Colonial
* Group Link
* Guardian
* MetLife
* Shenandoah
* TransAmerica

In addition, we have a vast array of insurers who specialize in offering core (company paid) insurance lines, but on an increasing level these insurers are proving to be worth evaluating when soliciting bids for voluntary coverage lines.

As with everything we do, our needs analysis for your organization will include an assessment of whether voluntary insurance line(s) might enhance your overall employee benefits strategy.