We offer the following Group Products for Employers:
- Accident Insurance Helps offset the unexpected medical expenses, such as emergency room fees, deductibles, and co-payments that can result from a covered accidental injury
- Cancer Insurance Helps offset the out-of-pocket medical and indirect, non-medical expenses related to cancer that most medical plans don’t cover. This coverage also provides a wellness benefit for specified cancer-screening test.
- Critical Illness Insurance Complements your major medical coverage by providing a lump-sum benefit that you can use to pay the direct and indirect cost related to a covered critical illness, which can often be expensive.
- Disability Insurance Replaces a portion of your income to help make ends meet if you become disabled from a covered accident or illness. Plans will pay up to 70%of income for various benefit periods: 3, 6, 12, 24 months for short-term disability – 5 years and up to age 65 for long term disability – Elimination periods very and are selected by the company or the insured.
- Group Dental Insurance This one of the most requested products by employees and is offered by over 70% of North Carolina employers. This product can be offered as an employer paid or 100% voluntary (employee paid).
- Group Health Insurance We provide group and/or individual health insurance through various companies, which can be fully insured or self funded.
- Hospital Confinement Insurance Provides a lump-sum benefit for a covered hospital confinement and covered outpatient surgery to help offset the gaps caused by co-payments and deductibles that are not covered by most major medical plans.
- Identity Theft Insurance Identity theft is America’s fastest growing crime and over 300,000 victims suffered in North Carolina last year alone.
- Long Term Care
- Pre-Paid Legal Services Pre-Paid Legal gives you access to retained lawyer on-call 24-hours a day and offers you protection, security and peace of mind.
- Retirement Plans Provides security for your employees at time of retirement and includes pension plans, profit sharing and 401K.
- Vision Insurance Covers eye exams in full or offer co-pay options and provides 100% coverage or discounts for hardware. Vision coverage can be employer paid or employee paid (voluntary).
