It’s not health in insurance . . .
The Why . . .
Supplemental insurance is a simple, affordable way to help your employees protect their financial security in the event of a serious accident or illness.
Traditional health insurance pays doctors and hospitals, while supplemental insurance pays benefits directly to employees - no matter what other insurance they have in place. If they’re sick or hurt, it can be used in any way they see fit – whether that’s for leftover medical expenses and other bills threatening their financial security. It’s their money to use their way.
This voluntary insurance benefits your business by:
Strengthening employers’ overall benefits packages.
Helping to provide employees with financial peace of mind with cash benefits to pay out-of-pocket medical expenses and other bills.
Improving employees’ focus, productivity, and job satisfaction by reducing financial stress and anxiety.
The Aflacts
Cash benefits to help ensure financial health
Enhances (does not replace) existing coverage
Pre-Tax savings for both employer and employees
Optional employer contribution (employer sponsor for no cost)
3 employees to qualify (W2, 1099, part/full-time)
Union? No problem! Completely voluntary!
Affordable: $3-13 per week
Customizable to meet each employee's needs/ budget
Coverage options: individual, individual & Spouse, one or two-parent family
Easy to file claims
Cash benefits to promote preventative care and early detection screenings
Aflac is accountable!
Accident Insurance
Mortgage or rent, groceries, and utilities – don’t stop when an employee is out of work after an accident. Accident insurance provides cash benefits for expenses that aren’t covered by health or auto insurance.
Choose from 4 options
Guaranteed-issue and renewable
Enrollment ages 18-75
Pre-tax incentive
Estimated cost: $6-10 / week
Cancer Protection Assurance
Nearly 2 million new cancer cases will be diagnosed in 2024 and medical bills contribute to more than 62% of bankruptcies. Our Cancer Protection policy not only helps with the treatment costs of cancer but allows your employees to focus on getting well.
Choose from 3 options
Prevention, diagnosis, treatment, and recovery benefits
Enrollment ages 18-75
Guaranteed renewable
No age-banded rates
Dependent children covered at no additional cost
Pre-tax incentive
Estimated cost: $8-13 per week
Short Term Disability
Only 48% of American adults indicate they have enough savings to cover three months of living expenses in the event they’re not earning any income. Coupled with current inflation trends, there's a growing need for Short-Term Disability insurance.
Paycheck protector provides 67% of average monthly income
Available 3, 6, 12, 18, or 24-month benefit periods
Monthly benefit amount of $500-6,000 (based on income)
Enrollment ages: 18-74
Guaranteed issue and renewable
Includes instance of injury, illness, and maternity
Hospital Indemnity
56% of today’s employees have less than $1,000 to pay for unexpected out-of-pocket medical expenses. Hospital indemnity plans can help alleviate the short- and long-term effects of certain inpatient hospital costs.
Choose from 4 options
Enrollment ages 18-75
Guaranteed renewable
Pre-tax benefit
Includes maternity
Includes hospitalization for mental health conditions and substance use disorders
Estimated Cost: $4—12 per week
Critical Care Protection
Serious illnesses such as a heart attack or stroke can have a serious impact on your employee’s financial health. Even if your employees have health insurance, it’s usually not enough to cover every expense. But Critical Care Protection gives them a lump-sum benefit upon diagnosis of a covered health event, with additional benefits paid for things like hospital stays and continuing care. The cash benefits can help with the expenses health insurance may not cover, helping you better protect your employees.
Choose from 3 options
Enrollment ages 18-70
Guaranteed renewable
Pre-tax benefit
Estimated Cost: $4—10 per week
Dental Insurance
Dental health is about more than a beautiful smile. Good oral care might actually improve your overall health, while problems with oral care might have a negative effect.
Dental care is important, but it can also be expensive - even cleaning and x-rays can sometimes strain your budget.
Choose from 4 options
Enrollment ages 18-65
Guaranteed renewable
Pre-tax benefit
Deductible decreases over time
Maximum carryover limit
Estimated Cost: $9-15 per week
Vision Insurance
Vision correction is just one of the reasons to get your eyes examined. Routine eye exams are a great way to spot eye disease early and preserve your vision. But did you know that your eye care professional can also spot other conditions during a regular eye exam - like high blood pressure and diabetes? Some say one’s eyes are the window to the soul, but they can also be a window to your overall health!
Choose from 3 options
Enrollment ages 18-70
Guaranteed renewable
Pre-tax benefit
No provider network
Benefits for eye surgeries, diseases, disorders, and visual impairment
Estimated Cost: $4.50+ per week
Life Solutions
Term life insurance rates are typically lower than whole rates because you are only paying for a specific period. You can choose which term length makes the most sense to you. If the policyholder passes during the term, the death benefit will go to the beneficiary. However, if they outlive the term length, the insurance company will keep the premium payments.
Issue ages: 18-68, 60, 50
10, 20, 30-year options
$20K - $500K Benefit Amounts
as low as $2 per week
Whole life insurance rates are almost always higher than term life insurance costs. However, the coverage extends throughout your entire life, rather than a specified term. The death benefit is guaranteed regardless of when the policyholder passes, and the cash value will always grow at a constant rate. You also may be eligible to access the cash value of your plan earl
Issue ages: 18-70
$20K-$500K Benefit Amounts ($200K max if over 50)
as low as $3 per week
My Goal . . .
I specialize in providing affordable benefit solutions to small businesses to help protect their employees’ finances from unexpected medical expenses.
We use cookies to improve your experience and to help us understand how you use our site. Please refer to our cookie notice and privacy statement for more information regarding cookies and other third-party tracking that may be enabled.
Contact Jenn Christiansen
Dynasty Region (Joliet)
116 N Chicago St., Ste. 208
Joliet, IL 60432
Direct: (779) 803-2646
© 2023 Aflac with Jenn
