Worksite Marketing
​Worksite marketing involves insurance companies offering voluntary, employee-paid insurance products to employees at their place of work, often through payroll deduction, with the employer's endorsement.
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Products Offered: Worksite marketing can include a variety of insurance products critical illness, hospital indemnity, accident, and cancer insurance.
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Benefits for Employees:
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​Employees can access insurance coverage at group rates.
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Premiums are paid through payroll deductions, making it convenient.
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Worksite benefits can help employees offset out-of-pocket medical expenses.
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Employees own the policy, which is fully portable and can be taken with them even if they leave their employer.
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Benefits for Employers:
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Cost-effective way to provide additional benefits to employees at a discounted group rate.
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Critical Illness Insurance
A critical illness such as a heart attack, stroke or major organ failure can impact anyone, from the least health-conscious to the most fit. Heredity and lifestyle affect your risk factors, but even if you’re in perfect health, life can change in an instant.
When a critical illness strikes, major expenses often follow. Health insurance may cover some of your medical costs, but not everything. In addition to your day-to-day bills, you could incur costs for treatment and recovery.
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During these events, if you take a leave of absence or reduce your work schedule to care for yourself or others, expenses and debt can add up quickly. That’s where critical illness insurance can help. With a financial safety net in place, you can rest assured that a sudden illness won’t jeopardize your finances.
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Commonly covered expenses include:
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Deductibles and co-pays
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Expenses related to out-of-network treatment and additional medical procedures, such as angioplasty and pacemaker implantation
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Travel, lodging and meals during treatment
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Lifestyle changes that may lead to better health, such as gym memberships and smoking cessation programs
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Rehabilitation and home health services
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Child care
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Cancer Insurance
Cancer insurance helps you live well while getting well. Most of us don't expect to face a serious illness like cancer. Some look to family history to determine risk, but that often doesn't tell the whole story.
Fortunately, more people are surviving cancer thanks to early detection and more aggressive treatments. If you're diagnosed with cancer, you may find that your medical insurance doesn't cover everything. In addition to your day-to-day bills, you could incur costs for treatment and recovery.
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The need to scale back on work or take a leave of absence during treatment and recovery only adds to the stress. That's where supplemental cancer insurance helps. It assists with protecting you from financial hardship in the face of mounting cancer expenses.
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Commonly covered expenses include:
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Deductibles and co-pays
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Out-of-network treatment
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Travel, lodging and meals during treatment
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Child care
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Home health services
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Hospital Indemnity Insurance
Hospital indemnity insurance shifts the focus to healing, not finances. If you are admitted to the hospital for a covered accident or sickness, hospital indemnity insurance plans provide benefits that can help pay for hospital expenses that aren't covered by your health insurance.
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​Commonly covered expenses include:​
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Outpatient surgery
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Inpatient services
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Diagnostic tests
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Doctor appointments
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Emergency room trips
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With this added financial protection, you can dedicate energy toward getting well instead of worrying about bills.
Accident Insurance
Breathe easy with accident insurance for whatever life throws your way. If you suffer from a fracture, dislocation or other covered accidental injury, accident insurance can help offset unexpected medical expenses.
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Commonly covered expenses include:
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Emergency room visits, X-rays, diagnostic exams, physical therapy and follow-up treatment
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Ambulance or air ambulance to a hospital
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Hospital stays, travel or lodging expenses related to your accident
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