Nobody wants to talk about it, but according to a LIMRA study, everyone needs it. About 75 percent of Americans agree that life insurance is the best way to protect against the premature death of a primary wage earner. It's a benefit that American households need.

• Available to all group sizes with a minimum of 2 employees
• Flexible coverage design options
• Unique life and disability packaged product for groups with 2-50 employees
• Guaranteed issue maximums based upon number of eligible employees
• Waiver of premium
• Dependent life insurance coverage
• Coverage options for retirees

Accidental Death and Dismemberment Benefits

• Paralysis/Loss of use benefit
• Repatriation benefit
• Child higher education benefit
• Child care benefit

24 million U.S. households (22 percent) have no life insurance protection at all.

• 100% employee paid
• Convenience of Payroll Deduction
• Flexible plan designs with benefits as high as $500,000
• Affordable premium rates
• Guaranteed issue amounts of coverage
• Coverage available for spouse and children
• Portability
• Guaranteed increase in benefit
• Minimal participation requirements

Bills and everyday needs don't stop because someone can't work. An accident, illness or pregnancy - any of these can endanger an individual's most important asset: the ability to earn a living. Short-term disability plans pay benefits when sickness or injury prevents an employee from working full-time.

• Benefit percentages as high as 70%
• High weekly benefit maximums available
• Various options available for:
  • Elimination period
  • Maximum weekly benefit periods
• Partial disability benefit option available
• Online claim reports and detailed claim information
• Experienced disability claims support services
• Integrates with NJ State Disability Benefit
• Also available on a voluntary basis

A long-term disability impacts more than just disabled employees. The employees and their family members worry about the medical problem, treatment and how to meet day-to-day and future expenses. However, the effects of disability spread beyond the family. Employers may face employee morale issues and increased costs. Group Long-Term Disability (LTD) insurance offers solutions for these concerns while offering competitive rates.

• Benefit percentages as high as 66 2/3%
• High monthly benefit maximums available
• Various options available for:
  • Elimination period
  • Maximum duration
  • Own occupation definitions
  • Definition of earnings
• Partial disability benefit
• Return-to-work incentive
• Social Security advocacy
• Experienced disability claims support services
• Also available on a voluntary basis

Additional services with no additional charge:

• Employee Assistance Plan (EAP)
• Travel Assist
• Online Will Preparation
• Estate Guidance Resources