Featuring products by the Boston Mutual Life Insurance Company and the endorsed voluntary products of the American Hospital Association.

  Interest Sensitive Whole Life Insurance

Our flagship product is The Employee Life Option (ELO), underwritten by the Boston Mutual Life Insurance Company.

true guaranteed issue for employees
level premiums
fixed death benefits
guaranteed minimum cash values
With cash accumulation at current interest rates, available options include level term to 65, accelerated death benefit, accidental death benefit, payor waiver of premium, children's term rider, and critical illness rider. The product cannot be altered in face of increases in mortality and/or interest rate declines. 

  Accident Insurance

Provides coverage for accidents i.e., ambulance, Emergency Room /Medical Care, surgery, burns,

emergency dental work, eye injures, lacerations, fractures, knee injuries, etc. 

  Endorsed voluntary products of the American Hospital Association include:

  Short-Term and Long Term Disability Income Insurance

Provides an income for employees when a covered accident or illness keeps them away from work for an extended time, whether they are at home or in the hospital.

  Critical Illness Coverage

Thanks to medical advances, more and more Americans are surviving major medical crisis – cancer,

strokes, heart attacks and kidney failure, transplants, paraplegia and quadriplegia.  Individuals

experiencing a medical crisis are often left with tremendous expenses not covered by their primary health coverage, such as deductibles, co-payments, co-insurance, loss of income, mortgage payments, childcare, lodging, and convalescence.  Critical Illness coverage eases the financial pressure by providing a lump sum cash benefit upon the diagnosis of a covered illness.

   Cancer Expense Insurance

Your major medical insurance covers most of the direct charges such as hospital and physician bills, but

not indirect costs, which can include: loss of wages while receiving treatment or while caring for a family member, Insurance deductibles, co-payments, co-insurance, private duty nursing, experimental treatment, transportation to specialty treatment centers, etc.

  Identity Theft

Do you know what to do if someone stole your identity?  Identity theft coverage provides peace of mind during the process of restoring your name and credit.  Credit Reports, Credit Monitoring, fraud alerts, and contacts with credit card companies, financial institutions, Social Security administrations, Department of Motor Vehicles, U.S. Post Office, law enforcement agencies, and all 3 credit bureaus.

   Legal Coverage

Offers employees an array of legal services.  Consultations, legal document reviews, Will preparation, representation for traffic violations, defense of civil suits, IRS Audit representation.

  Supplemental limited benefit medical expense – Gap Insurance

Low-cost benefit that helps pay for out-of-pocket expenses while covered persons are confined in the hospital or are outpatients.  The coverage provides three types of benefits: outpatient for emergency room treatment, diagnostic testing, and outpatient surgery; physician for outpatient treatment at an emergency room physicians office, or clinic; and in-hospital for the difference between actual inpatient expenses and the amount paid by other medical plans for the out-of-pocket covered charges.

   Long Term Care (LTC)

Provides for expenses when skilled nursing or rehabilitative care is required for extended periods.  This care may be provided as skilled nursing care on a daily basis, as intermediate care on an occasional basis, or as custodial care when activities of daily living can be assisted by someone without medical training.  These expenses may be incurred as home health care, adult day care, or in a non-hospital care facility (such as nursing home or assisted living facilities).