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

We offer group and individual options on all product lines listed below (except dental). Guaranteed-issue options are available across all lines (subject to account and case size limitations), and we can efficiently enroll both group and individual products on the same platform.

Disability insurance

Income protection if an employee is unable to work due to being hurt or sick

Accident insurance

Financial benefits paid to help cope with unexpected injuries

Special risk insurance

Treatment and recovery benefits for cancer and critical illnesses

Supplemental health insurance

Lump-sum benefits paid for hospital confinement or outpatient surgery

Dental insurance

Preventive and major dental coverage, including optional vision rider

Life insurance

Financial benefits paid directly to beneficiaries

What's right for your clients - group or individual?

Individual and group products aren't the same. That’s why we equip you and your clients with information to weigh the pros and cons and flexibility to select the right product mix.

   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.