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Voluntary Insurance 101 for Businesses

As a small-business owner, you invest everything into the health of your business, making careful, strategic choices to maximize your company’s performance. One of the greatest investments you can make is in your employees – the lifeblood of your business whose well-being is crucial to your success.

Voluntary insurance helps to:

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Obtaining Voluntary Policies for your Employees


The public exchange will offer stand-alone voluntary dental coverage. Employees can apply for other voluntary coverage – such as accident, illness, disability and many others – on private exchanges and through insurance agents or brokers. Employers can make these policies available directly to employees at little or no direct cost to the company.

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Types of Voluntary Policies


Voluntary insurance comes in a number of different types, customizable to each business and employee.

  • Accident Insurance

  • Cancer/Specified-Disease Insurance

  • Hospital Confinement Indemnity Insurance

Help your employees find the best benefits for them


Your employees' lives are special and unique–they're not one-size-fits-all, and their voluntary benefits package shouldn't be either. Need help figuring out what voluntary benefits match their needs? Have them take this handy survey, then consult with a Benefits Advisor to find out the best fit for them.

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