Why your medical insurance isn't always enough

Sadly, few things in life are perfect. Your medical insurance is no exception; even great medical insurance policies can have gaps in coverage that leave policyholders on the hook for high, unexpected medical costs. That’s why voluntary benefits are offered as a solution to help cover those costs. Below are some common examples of how people can receive surprise, costly medical bills and how voluntary benefits can help you avoid them.

Posted on July 16, 2019 in Consumer

Employee communication is the fuel for benefits success

By: Mike Dahlinger, Regional Sales Director, Michigan

Imagine you are selecting a car to race. Your options are a brand new, top-of-the-line Formula 1 racecar and a beat up old station wagon with wood paneling. Most likely, you’re getting behind the wheel of the racecar, right? Well, let’s add this twist; what if the old station wagon has a full tank of gas and there isn’t a drop of fuel in the F1 racecar. Suddenly, the old station wagon doesn’t look like such a bad choice.

Posted on July 02, 2019 in Employee Communication

Four things you didn't know about accident insurance

Accident insurance sounds straightforward – if you get injured, you can receive benefits to help cover the cost of treatment. However, if you have a policy or are considering purchasing a policy, here are some lesser-known features of accident insurance to be aware of that can help you effectively use your policy. 

Posted on June 27, 2019 in Consumer

Budgeting for life insurance - costs in context

Consider this — if you were to rank your financial priorities, where would life insurance land on that list? All too often, misconceptions about the cost of life insurance deter employees from purchasing coverage that could protect them financially. This is particularly true of young people who tend to prioritize other purchases. In fact, 57 percent of millennials feel that paying for internet, cell phones, or cable is more important than purchasing life insurance.1 In reality, life insurance is likely more affordable than you think and it’s best to be prepared for the unexpected. 

Posted on June 25, 2019 in Consumer Life Insurance

Universal life insurance and the right hat

By: Jimmy Stoffer, Regional Sales Representative, Dallas/Fort Worth

In a given day, how many different “hats” do you wear? You wake up in the morning and you may be a spouse and a parent. You head to work and you’re a professional. You get a call from your sister on the way home and suddenly you’re a sibling. In the insurance industry, it’s important to remember to try and put your “employee” hat on.

Posted on June 20, 2019 in Life Insurance Sales

A financial snapshot: how are employees doing?

Sometimes, life throws you the unexpected. And, when that unexpected event happens, it can throw your finances into chaos. More or less, that’s the basis of the entire insurance industry. Of course, this also supposes that people aren’t financially prepared for that unexpected event. More often than not, that tends to be the case. For a better understanding, let’s look at the financial challenges facing employees and what their existing insurance coverage looks like. 

Posted on June 06, 2019 in Employee Communication Industry

The importance of preventative care

Health and wellness ranks higher on some people’s priority list than it does for others. But, no matter where you fall on the spectrum, it’s beneficial to keep tabs on your overall wellbeing. Practicing preventative care can help you maintain or improve your health as well as avoid major medical problems down the line.  

Posted on June 04, 2019 in Consumer Health & Wellbeing Wellness

Disability Insurance Awareness Month – A closer look at the numbers

Stats can be tricky, which is why context is always important. For example: a number one selling shoe? Sounds, impressive. But a number one selling shoe at a store that only offers one type of shoe? Not so impressive. So, for Disability Insurance Awareness Month, we thought we’d provide a little more context to some of the stats we see when discussing disability insurance to help drive home the importance of protecting your paycheck.

Posted on May 16, 2019 in Consumer Disability insurance Industry

What it means to be offered voluntary benefits by your employer

Studies show that for 62 percent of employees, benefits played a significant role in choosing to work for their company.  When considering a job offer, medical, dental and vision benefits are likely top-of-mind but as the workforce and healthcare changes, so do the benefits employers are offering. Your company may now offer voluntary benefits in addition to their core medical plans such as life insurance, critical illness insurance, accident or disability insurance. Why are they adjusting their plans and what does it mean for you? 

Posted on May 14, 2019 in Consumer

Understanding the medical gap

Have you ever received a shocking medical bill for an expense you thought would be covered by your insurance? If so, you’re not alone. And, if not, it’s important to understand why this sometimes happens so that you can be prepared. Many people find themselves in this situation due to a medical coverage gap they may not have been aware of.  But what do we mean when we reference this “gap” and where does it come from? Here are a few points to help you better understand and avoid this medical coverage gap.

Posted on May 07, 2019 in Consumer Employee Communication Enrollment

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