Why do I need a Critical Illness plan?
Voluntary Critical illness insurance provides you with a lump sum cash payment to help cover daily expenses – from childcare and rent to groceries and mortgage payments – should you experience a serious illness.

Why do I need an Accident plan?
Voluntary Accident coverage provides a lump-sum payment after an accident to use as you see fit. It can help with out-of-pocket expenses such as deductibles, copays, transportation to medical centers, childcare and more.

Why do I need a Hospital Indemnity Plan?
If you or a covered family member have to go to the hospital for an injury or sickness, Voluntary Hospital indemnity insurance provides a lump-sum cash benefit to help you take care of unexpected expenses — anything from deductibles to childcare to everyday bills.