Life & Disability Insurance Benefit Options
for Your Employees
The Williams Insurance Agency, Inc. offers a variety of valuable life and disability benefits for your employees. The scope of the coverage that you will choose to offer your employees depends on many variables. Our experienced agents are available to assist you to make the best overall decisions when selecting this critical insurance product for your employees’ benefits package.
Competitive Pricing for Group Disability and Life Insurance
Life and disability insurance are structured to help protect your employees and their loved ones against loss of income that may result from accidents, serious illnesses, injuries, and death. Our insurance carriers are able to offer competitive pricing for your business when purchasing these products in bulk. Major illnesses and accidents can occur without warning and lead to ongoing work loss that is not covered by general medical coverage. Critical illness and life insurance coverage policies are typically structured to pay out a lump sum payment upon diagnosis of certain serious illnesses or death.
Help Your Seriously Injured or Ill Workers with Disability Insurance Coverage Options
Disability Insurance coverage helps injured or seriously ill workers pay for regular and excessive expenses incurred as a result of the covered loss such as:
- Living Expenses
- Rent or Mortgage Payments
- Utility Bills
- Home Healthcare
- Medical Expenses Not Covered by Medical Insurance
- Modifications to the Home (Wheelchair Ramps, etc.)
- Caregiver Expenses
- Travel for Medical Care
- Childcare Expenses
Disability Insurance is a Critical Necessity for Your Employees
No matter how well employees take care of their health, nearly one in two males and one in three females will develop cancer at some point in their lives. This staggering figure alone highlights the necessity of securing critical illness and disability insurance. In addition, during the average lifespan, most individuals will be involved in three to four vehicle accidents. Although the likelihood of these crashes resulting in death is rather low, there is a significant chance that injuries will result in temporary or permanent disabilities.
Group Life Insurance at a Fair Price in Wilmington & Rehoboth Beach, DE
If an employee dies, our group life insurance options provide their loved ones with crucial financial resources in a lump sum payment to help cover immediate expenses including:
- Burial or Cremation Expenses
- Final Expenses
- Outstanding Debts
- Future Anticipated Expenses for Survivors (for Childcare, Tuition, etc.)
To learn more about the available options for fair-priced group life and disability insurance benefits for your employees, contact us to schedule a consultation. The experienced staff members of our Employee Benefits Division at the Williams Insurance Agency, Inc. are available to answer your questions and help you make the best decisions for your employee benefits package.
Contact us for a free quote today.