As a small business owner, we understand your desire to reward your associates with meaningful benefits. If you are a business owner in the State of Ohio and would like to provide your employees with extra support, life insurance is an excellent and viable option.

Contrary to the standard group life insurance that may only provide a portion of the coverage they need to protect their families, you can offer your employees Voluntary Payroll Deduction Life Insurance.  Two unique feature of the program are that workers will own and pay for their coverage and their policy is portable.  This means that if a team member’s employment with you is terminated, they maintain their coverage. The beauty of this solution is that it gives you the opportunity to offer peace of mind and control to your employees.

Additionally, guaranteed issue may be available in some cases.  Some of the key features and benefits of guaranteed issue:

 

NO MEDICAL QUESTIONS

Family protection- coverage available for spouses, children, and grandchildren

Guarantee issue face amounts $5,000 to $100,000 depending on age

Multiple options for different needs: Term, Whole Life, and Term Return of Premium

Coverage begins immediately

Fully portable if the participant were to leave employment, retire or become disabled

Chewers, pipe smokers, and cigar users receive nonsmoking rates

Coverage available ages 18-70

 

If you want to increase your employee benefits package and offer life insurance, please contact us. We are happy to discuss your options and give you all of the information you need to choose the best options for your company and employees.

Guarantees are subject to the claims-paying ability of the underlying issuer.

 

 

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