Skip to content

Songer Benefits, Inc. Blog

All You Ever Wanted to Know About Insurance

Employee Benefits Beckley West, Virginia

Many insurance companies' primary goal in the voluntary market is to sell life insurance to employees and their dependents. Individual insurers are heavily focused in this market. Life insurance is also a common product of group insurers. Still, they are more inclined to offer health insurance products as well. Life insurance runs the range from basic term insurance to whole life and variable universal life insurance and incorporates accidental death and dismemberment insurance. Short-term and long-term disability income insurance is a leading health product. Primary medical coverage is seldom offered, but insurers market supplemental medical plans representing vital shares of total voluntary premiums. These products include accident insurance, specified-disease, critical illness policies, hospital-indemnity, and other supplemental medical coverage. Dental Insurance and vision coverage are standard products as well. An increasingly common product is long-term care insurance. Depending on the employer's size, insurance companies can tailor group products to the employer's needs. The five voluntary benefits most commonly offered by employers to their employees are:
• life Insurance 
• vision coverage 
• disability Income 
• dental coverage 
• accident coverage. 
Songer Benefits in Beckley, Princeton, Lewisburg, Summersville, West Virginia can help you with all the above benefits.