Sunday, May 27, 2012

Insurability And The Work Place Advantage


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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