Insurance protection is one of the most valuable items when considering how to protect one's financial future. 

Lifestyle becomes critical should one become disabled, get injured, or suffer from a life-threatening critical illness. Saving a few dollars each week should be balanced against the valuable benefits many workplace products may provide. For example:

• Disability insurance can provide a stream of income to ensure monthly bills can be paid.
• Accident insurance can provide supplementary income or help cover copayments.
• Critical illness insurance may mean the difference between financial strain and being able to cover medical expenses.

Workplace voluntary benefits are unique because the benefits are paid directly to the policyholder. No copayments are required to receive benefits, and benefits are paid in addition to any group health plan or supplemental plan in place.

As an employer, there is no direct cost to someone to offer to their team. The benefits are employee funded and 100 percent portable.