Voluntary Group Benefits
Voluntary Group Benefits
Imagine producing 10, 20, 50 or 100 life applications in a week. Sound impossible?
Your mission: Offer the owner or Human Resources director of a company or organization the opportunity to offer an AMAZING suite of benefits to their employees… at no cost to the company! Sell one company, and enroll 10, 20, 50, 100 or more employees!
Group Voluntary Whole Life Insurance is offered to employees of a company or organization. Employees can purchase up to $100,000 of permanent coverage – guaranteed issue! They cannot be rated or declined.
The policy is paid for by the employee through payroll deductions, but it is portable, so the employee can take it with them if they retire or change jobs. It provides living benefits in the event of a chronic or terminal illness, and also provides a cash value component that can be used for retirement planning or other financial needs.
Advantages of Group Voluntary Benefits
Voluntary benefits gives smaller companies the ability to offer employees big-company benefits while staying in budget. Employees choose the coverage they want and pay through payroll deduction. Employers can also participate if they wish. Benefits include life insurance, short- and long-term disability, critical illness, accident, hospital indemnity, and cancer coverage.
As a 9th Wonder agent, you can help businesses attract and retain great people, improve satisfaction, and control fixed costs. We design the plan, run enrollment (onsite or virtual), and service it year-round.
Voluntary Group Benefits strengthen recruiting and retention without locking the business into high fixed costs. Employees pick the protections they value and pay via payroll deduction. We secure competitive group pricing and, when available, guarantee-issue amounts at launch so participation is easy. Administration stays light—single bill, consolidated reporting, and support with communications, evidence-of-insurability thresholds, and portability rules when people leave. The result: a benefits boost, happier teams, and a predictable budget.
Employees get choice and convenience: life, disability, critical illness, accident, hospital indemnity, and more—often with group pricing and simple payroll deductions. Many plans include options for spouses and dependents, portability if employment ends, and decision-support at enrollment so people buy only what they need.
Life-insurance death benefits are paid to the beneficiary income-tax-free. Disability, critical illness, accident, and indemnity benefits have different tax treatments depending on how premiums are paid (pre-tax vs post-tax). We coordinate plan design and payroll setup with your tax and legal advisors and provide ongoing compliance support. This material is educational; it isn’t tax or legal advice.
Let us help you design voluntary benefits programs for your clients that fit their team and budget.
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