Producers/Brokers

Are You Currently Offering Voluntary Benefits? 

Do you have accounts with High Deductible plans? If so, how are the employees being protected against the financial risk of a catastrophic medical event?

Are there agents offering voluntary benefits in your client accounts but you are not managing the offering? Is this the best tactic for your client? How do you know the voluntary carrier is the 'right fit' for your client? How do you know if your clients' employees are spending too much premium for too little benefits?

Are you looking for ways to help your clients with a competitive and complete benefits package to help attract new employees and keep current employees satisfied?

Are you bringing your clients On-Line Enrollment options for their annual and new hire enrollments? If not, your competition is!

The ADVANTAGE of Voluntary Benefits 

Many employees consider themselves under-insured relative to life insurance. And many of these employees have not been offered additional life insurance by carriers. The 'table top' life insurance sale is a thing of the past. Now, if employees do not get enough life insurance through their employer, they are unlikely to find it on their own according to a survey of life insurance buyers conducted by Deloitte, titled The Voice of the Life Insurance Consumer. See also Deloitte Survey Of Life Insurance Buyers.

The same can be said about voluntary, supplemental insurance policies, from catastrophic plans to additional life insurance, both individual term and permanent. As the broker for your clients, if you are not presenting voluntary benefits to your clients, you may be indirectly responsible for leaving employees without additional insurance options they could obtain through their employers.

Among the key findings from the survey:

Your Voluntary Benefits Partner 

Are you looking for ways to enhance your client's employee benefits package while also controlling costs? Are you giving options to your clients that add value and services to overburdened HR departments?

Many HR and finance executives are finding that a comprehensive voluntary benefits program can help. Such programs allow employers to provide disability insurance, life insurance, dental insurance and other plans as a supplement to their employees' core benefits, giving their employees the freedom to choose only the benefits they want and can afford. Industry trends indicate that many employees welcome having the choice to tailor their benefits to their lifestyle needs and budgets.

Voluntary benefits cost employers virtually nothing. They also grant employees access to a variety of insurance offerings, typically with more favorable underwriting requirements and rates than if they went out and got coverage on their own.

Given these advantages, it's not surprising that voluntary benefits are now a critical part of the health and welfare strategy for many employers. But Voluntary Benefits are not a commodity product, and you should not shop for them on price alone. And there are many great Voluntary Benefit carriers but your clients may need more than just a good voluntary carrier. That's why you should choose Worksite Enrollment Services for your clients' communication and voluntary benefits administrative and enrollment needs. As veterans in the voluntary benefits industry, we can provide you, your clients, and their employees with the 'best of the best' in voluntary plans PLUS the added services of implementing your voluntary plans in a way that adds true service value to all.

Worksite Enrollment Services can help broker/consultants work with the HR Departments and benefits staff create a comprehensive voluntary benefits strategy tailored for your client organization's needs. Please contact us to learn more about WES and how we can benefit you and your clients!