Insurability is a critically important insurance concept.
Employers are sometimes hesitant to
provide employee benefits if they perceive their workforce as being made up of
younger and healthier workers who are less concerned about insurance.
Practically speaking however, the best time to secure
coverage is in fact when you are young and healthy. If you’re young, healthy and have a good family
health history, your insurability is at its peak and you’ll be rewarded with
the best rates on life, health and disability insurance.
As you age and your health declines, you become less
insurable. A major health crisis could render
you completely uninsurable for certain types of insurance coverages. A disability policy offered through the workplace
can help otherwise uninsurable employees gain coverage. Through our strong carrier partnerships, we
are able to offer plans with lessened or waived underwriting requirements.
As a benefit communications, enrollment and voluntary
benefits provider, we begin by helping you design a benefits package that will
be well rounded enough to provide true options for your employees. During the enrollment event, we help employees
understand the options they are being offered, and help them select plans that will
work well together to maximize the dollars spent. After the enrollment, we follow up to ensure
the needs of the employer and the employees were met. We also provide ongoing support for new hires
throughout the year.
Contact us and
give your employees access to smart benefits that help them prepare for their
tomorrow today!
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