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 benefit 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.
Benefits of Group Voluntary Whole Life Insurance
Give your team big-company benefits with small-company budgets. Employees choose the coverage they want and pay through payroll deduction; you can contribute if you wish. Options include life insurance, short- and long-term disability, critical illness, accident, hospital indemnity, and legal/ID-theft coverage.
What this does for your company:
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 you into high fixed costs. You decide who’s eligible and whether you’ll contribute; 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 generally received income-tax-free by beneficiaries (exceptions apply). 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’s design a voluntary benefits program that fits your team and budget.
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