Business Term Life, Whole Life, Guaranteed Life & Cancer Coverage
Business Protection & Employee Life Benefits
These foundational benefits help businesses protect employees, leadership, and the company itself—while strengthening retention and offering peace of mind.
We provide simple, reliable coverage solutions that are easy to understand, easy to administer, and valuable to employees.
Business Term Life Insurance
Term life insurance provides affordable protection for a defined period and is commonly used for:
- Employee benefits
- Business loans and obligations
- Temporary business protection needs
It is a cost-effective way to offer meaningful coverage to employees and leadership.
Whole Life & Guaranteed Life Insurance
Whole life and guaranteed life insurance provide permanent protection and long-term stability for employees, business owners, and their families.
These options offer:
- Lifetime coverage
- Predictable premiums that do not increase with age
- Guaranteed death benefits
- Optional cash value accumulation (for eligible whole life policies)
Guaranteed Issue Coverage for Employee Groups
Guaranteed issue life insurance allows employees to obtain coverage without medical exams or health questions, making it a highly valuable benefit for diverse workforces.
Coverage amounts are typically available up to $250,000 per employee, depending on group size, carrier guidelines, and plan structure. This makes guaranteed life insurance especially effective for:
- Employees with pre-existing medical conditions
- Older employees who may not qualify for individual policies
- Businesses seeking simple, inclusive benefits
Cancer & Critical Illness Coverage
Cancer and critical illness policies provide direct financial support during serious health events.
These plans help employees manage:
- Treatment-related expenses
- Out-of-pocket medical costs
- Lost income and personal financial stress
They are often offered as voluntary, employee-paid benefits and integrate easily with payroll systems.
Simple Enrollment. Ongoing Support.
Coverage can be:
- Individually owned or group-based
- Administered through payroll deduction
- Offered with employer contributions or employee-paid structures
We provide education, enrollment support, and ongoing service—ensuring employees understand their options and employers remain supported year-round.