The Personal Layer of Protection

Your benefits plan gives employees a strong foundation. Some will want to build on it.

Offering group benefits gives every employee a meaningful base of protection they might not otherwise have. But every employee's life is different. As families grow, mortgages are taken on, and responsibilities change, some employees will find they want protection beyond what any group plan is designed to provide. Understanding where a group plan ends and individual coverage begins is what helps employees fill that gap.

A group benefits plan delivers real, immediate value. It provides a base level of life, disability, and often other coverage to every eligible employee - typically without medical questions - making protection accessible to people who may never have arranged it themselves. Group plans are designed to serve everyone fairly, which means coverage amounts are set at a level that works broadly. An employee with a large mortgage, young children, or a spouse who depends on their income may simply want more than a shared plan is built to offer. Individual coverage exists precisely for these moments - not to replace the group plan, but to build on it, tailored to that person's specific circumstances. When an employee does want to add protection, three types of individual coverage address three different risks:

Life Insurance provides financial support to an employee's beneficiaries in the event of their death - helping cover debts, replace income, and meet long-term family needs. It can also support estate planning and charitable goals.

Critical Illness Insurance delivers a lump sum upon diagnosis of a covered serious illness, such as cancer. It helps offset lost income, medical costs, or recovery expenses without draining hard-earned savings.

Disability Insurance replaces a portion of income when an employee cannot work due to injury or illness - protecting what is often a person's most valuable asset: their ability to earn.

Your group benefits plan is the foundation. We help build the rest.

For an employer, supporting employees who want more protection does not add to your plate. When one of your people wants to understand their coverage - or whether their family is fully protected - there is someone to walk through the options with them, so that whatever their circumstances, they and their families can feel secure.