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Individual and group product portfolio

MORE OPTIONS TO TAILOR A VOLUNTARY PACKAGE THAT MEETS YOUR CLIENTS’ UNIQUE NEEDS

For more than 75 years, our focus has been voluntary benefits, and we have considerable experience developing and pricing voluntary benefits based on industry trends and market needs.

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Our product lines

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a book. Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a type.

What’s right for your clients — group or individual?

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s, when an unknown printer took a galley of type and scrambled it to make a book.

Individual products Group products
Pros Employee-owned
Portable
Guaranteed renewable in most states
No participation requirements
No account-level rate increases
Employer-owned
More flexible underwriting than individual products
More flexible rates than individual products
Cons Typically stricter underwriting
Typically higher priced than group products
Limited rate flexibility
Group-level rate increases
Ported or converted at higher rates
Minimum participation requirements common

Learn more about our employee benefits

We offer you and your clients a comprehensive group and individual product portfolio with maximum flexibility to determine which products best meet their unique needs.