Voluntary Benefit Product Offerings

SBS identifies the voluntary benefit products that address the needs of a client based on their current benefit package and employee demographic. Our product recommendations bridge the gaps that result from core benefit changes and cost control initiatives and deliver a more comprehensive benefit package at no additional cost to the employer. Typical voluntary benefit offerings include:

• · Short Term Disability
• · Long Term Disability
• · Whole Life Insurance with optional Long Term Care rider
• · Universal Life Insurance with optional Long Term Care rider
• · Term Life Insurance
• · Accident Insurance
• · Critical Illness Insurance
• · Hospital Indemnity
• · Limited Medical
• · Gap Insurance
• · Pre-paid Legal
• · Pet Insurance
• · Property & Casualty
• · Computer Purchase