Services and Solutions
Life Insurance
Most people would agree about the importance of life insurance. But surprisingly, it's the fundamental piece missing in many families financial protection program. Only 47% of households own any individual life insurance programs*. That's why employer based programs are so important.
Bene-Care works with the leading insurance carriers to provide our customers with a variety of family protection products that may be purchased on an employee paid, employer paid, or hybrid basis in which costs are shared between the employer and employee. Our portfolio of solutions includes:
- Low Cost Term or Cash Value Options
- Basic Life and Accidental Death Coverage
- Optional Life and Accidental Death Coverage
- Dependent Life programs that provide coverage for spouses and/or children
Our approach is simple: Tailor programs that offer flexibility and meet the benefit and financial objectives of our customers. Our goal: Introduce programs that successfully:
- Provide employees with family protection against the financial hardship brought on by a loss or accident.
- Offer a variety of product options that can be tailored to meet an employee's specific lifestyle and personal situation.
- Incorporate value-added features like waiver of premium for employees who become disabled, as well as portability and conversion privileges that allow employees to continue coverage after their employment ends.
- Deliver benefits and service in a compassionate and sensitive manner.
Each carrier that Bene-Care works with is committed to providing the highest level of service and will work with us to provide the necessary resources and support, including employee communications and education, to ensure a smooth and successful introduction and implementation of these programs.