| PRODUCTS
& SERVICES OVERVIEW Enhance
the benefits your company offers - at no
direct cost to you
Searching
for a way to offset the most recent rate
increase? Do you want to find a way to
offer benefits that round out your
offerings? Contact
us to get a few ideas on how to meet the
challenge.
Most
Insurance doesn't cover co-pays,
deductibles, lost wages.
Command
the highest morale from your employees by
offering the highest
choice of benefits! Did
you know that health benefits are ranked
as the
number one benefit by employees, and
studies indicate that they want
more choice and control? As
an employer, you may provide medical
insurance
benefits, but these benefits will not
cover such costs as deductibles,
loss of earning power and other
out-of-pocket expenses associated with an
illness or accident. If you've had to
make changes recently due to a
rate fluctuation, voluntary
benefit policies are
an excellent way to
round out your primary health care plan
and save money. Our policies
pay cash benefits directly to the
employee.
Employees
Prefer Choice-and it is the single
biggest employee satisfier!
With
supplemental insurance policies,
employees choose the types of coverage
they want and pay for them through the
convenience of payroll deduction. And
because your premiums can often be paid
on a pre-tax basis, you may save tax
dollars or even be able to add benefits
and keep your overall cost the same.
Moreover, the best policies pay benefits
regardless of any other insurance you may
offer. If you think your employees won't
be interested, read what
researchers say.
When questioned properly, generally six
out of ten employees willingly
participate.
Attract
and retain your top producers!
Businesses
which want to attract and keep
high-performing employees recognize the
importance of a competitive salary and
benefits package. Yet in today's
increasingly competitive environment,
containing costs might mean saying
"no" to employee pressure for
increased benefits.
One
excellent solution to this dilemma is
offering payroll deduction insurance to
your employees to supplement your
existing benefits. Recent surveys
indicate that over the past 10 years,
employee interest in buying insurance
through payroll deductions has doubled.
Employees
concerned about their future will see the
value of a voluntary payroll deduction
insurance program. It is a win-win
situation for everyone.
Objectives
- To
help companies control the cost
of fringe benefits provided for
their employees by educating
employers.
- To
supplement existing employee
benefits.
- To
offer quality insurance benefits
to employees on a voluntary
employee-paid basis.
- To
assure total and continuous
employer and employee service.
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Employer
Requirements
- Affordable
insurance benefits that
supplement existing
employer-provided benefits.
- Communication
of plan advantages in an
educational and non-threatening
environment.
- A
flexible and efficient enrollment
process.
- Annual
enrollment opportunity and
continuous service.
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Employee
Requirements
- Enables
employees to purchase quality
insurance at affordable rates.
- Protection
for themselves and their
families.
- Premiums
paid through the convenience of
payroll deduction.
- Employer
sponsorship usually results in
little or no medical or financial
underwriting.
- Coverage
that is often portable.
- Strengthens
company benefits program and
enhances corporate image.
- Lessens
pressure to increase
employer-paid benefits.
- Expands
current benefits without any
direct cost to the company.
- Bolsters
employee morale.
- Helps
attract and retain good
employees.
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Key
Benefits
- A
good plan fills in gaps of group
insurance
- A
good plan has rofessional
enrollment counselors assist
employees in selecting the plan
which best meets their needs.
- A
good plan allows changes as the
needs of the employees change, so
can their policies.
- A
good plan has quality products
and quality carriers.
- A
good plan has toll free 800
numbers to call for service.
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Click
here to get a few ideas on how to meet
the challenge.
Additional
information;
12
Slide Powerpoint
24
Slide Tutorial On the Benefits and
Questions to ask
(compare your approach to other firms
-survey included)
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