Voluntary Benefits, also referred to as “supplemental insurance”, are playing a much more prominent role in today’s benefits marketplace. While some employers have used them as funding vehicles for enrollment services and HRIS platforms, many are simply offering them for the value that comes with a well-rounded benefits package that gives employees options. We help employers provide stability and peace of mind, by protecting their budgets should the unexpected happen to their employees.

Our Priority at Apex Strategies is to provide Financial Security at little to no cost to the client’s business through the best supplemental and voluntary benefits. Learn more about the different products and ways you can provide security to those that make the business succeed or contact us if you would like to talk.

Play a key role in protecting employee’s income

Employees depend on their income for everyday expenses and a disability not only decreases their ability to meet their financial obligations, but it also increases out-of-pocket costs. Our disability insurance helps you make coverage available to more employees tailored to their unique needs.

Employer-sponsored financial protection benefits, such as disability insurance, offer affordable, high-value safeguards for employees that provide the start of an all-important financial safety net. The client can play a key role in assisting employees create a strong financial safety net and at the same time offset the out-of-pocket expenses from higher-deductible medical plans.

With our disability insurance, you can:

  • Select the benefit periods.
  • Choose an on-/off-job or off-job only plan.
  • Provide valuable coverage for your employees – at no direct cost to you.

Individual Disability

An individual, short-term disability product for the education industry. This product provides on/off-job or off-job only accident and sickness coverage. It also offers optional benefits such as Psychiatric & Psychological Conditions and Waiver of Elimination Period for First Day of Hospital Confinement. Guaranteed-issue and simplified-issue options up to $4,000 a month are available upon approval.

Group Disability

A voluntary group short-term disability product that allows employers to tailor plan options to fit their business needs. The policy provides on/off-job or off-job only accident and sickness coverage, and includes features such as partial disability, portability and waiver of premium. It also offers optional benefits such as Psychiatric & Psychological Conditions and Waiver of Elimination Period for First Day of Hospital Confinement. Guaranteed-issue and simplified-issue options up to $4,000 a month are available upon approval.

Aid employees in preparing for, and expecting, the unexpected:

Most people are not prepared to incur the cost that comes with an accident. Our accident insurance pays out directly to the employee so that they can for the things other insurance won’t cover, such as lost wages, out-pocket-expenses and household bills. 

With our accident insurance:

  • Coverage can be employee-paid, so there’s no direct cost to the employer.
  • We offer several coverage levels to fit all budgets.
  • Employees can choose to have individual coverage, or they can select family coverage for their spouse and children.

Accident insurance can provide your employees with benefits for initial care, surgery, transportation and lodging, follow-up care, and more.

You can’t always prevent accidents from happening, but you can help provide financial protection in case they do.

Individual Accident

A guaranteed-issue, composite-rated, guaranteed-renewable accident product that offers several coverage levels to fit all budgets. Features include employee and family coverage, yes a spouse disability rider. In California, similar benefits are provided under California Care.

Group Accident

A guaranteed-issue, composite-rated group accident product with multiple coverage levels to fit employer and employee needs. All plans are compliant with Health Savings Accounts (HSA) and provide all employees the same benefits and rates. Family coverage is also available.

Alleviate the stress and expenses that come with Critical Illness

When employees experience a critical illness, such as heart attack or stroke, they often have expenses that aren’t covered by their health insurance. During these challenging times, critical illness insurance can help employees focus on recovery and getting back to work sooner. 

Built-in flexibility and multiple plan design options can fit the diverse needs of any employer and their employees. It is a simple way to strengthen a benefits package and give employees the options they need.

Our critical illness insurance complements your major medical coverage offering by providing a lump-sum benefit that can be used to pay for the direct and indirect costs related to a covered critical illness, such as:

  • Heart attack (myocardial infarction)
  • End stage renal failure
  • Coronary artery bypass surgery
  • Stroke
  • Major organ transplant
  • Can include coverage for cancer diagnosis if individual or group cancer is not offered.

Benefits are paid directly to employees, unless they specify otherwise.

Add valuable coverage to your benefits package, and help your employees gain valuable financial protection – at no direct cost to you.

Individual Critical Illness

An individual, guaranteed-renewable critical illness product that provides lump-sum benefits for specific illnesses—and pays for multiple critical illnesses. Guaranteed-issue and simplified-issue options up to $20,000 a month are available upon approval.

Group Critical Illness

A group specified disease product that provides lump-sum indemnity benefits to help pay for the non-medical and medical expenses of a specified critical illness. Guaranteed-issue and simplified-issue options up to $3,000 a month are available upon approval.

-Tobacco distinct and unitobacco rates available with age bands

Recovery should be the focus when Cancer strikes

Cancer is not only catastrophic to a person’s health but also to their finances. Without a safety net in place or financial means of their own, employees are forced to depend on family, friends or government programs to find recovery when a catastrophe such as cancer strikes 

With Colonial Life’s Cancer Insurance, the client can help their employees offset the out-of-pocket medical expenses and indirect, non-medical costs related to cancer that most medical plans don’t cover. Benefits are available from initial diagnosis through recovery and can be used to help with:

  • Loss of income
  • Child care
  • Lodging and meals
  • Deductibles and co-pays

Our cancer coverage also provides a benefit for specified cancer-screening tests, which can help your employees proactively monitor their health.

Individual Cancer

A guaranteed-renewable, individual cancer product that pays indemnity-based benefits to help cover medical and non-medical expenses related to cancer diagnosis and treatment.

Group Cancer

A group cancer product that helps pay some of the direct and indirect costs related to cancer diagnosis and treatment. It includes guaranteed-issue underwriting, benefit flexibility and published rates.

Help make Hospital Costs Manageable

Even the smallest of stays in the hospital can rack up in bills and the rise in health care does not help. With all the complexity in today’s health plans, employers need a simple way to ensure they are providing adequate coverage while controlling costs.

We offer employers a more affordable, tailor-made plan, designed to protect employees from larger out-of-pocket expenses such as, deductibles, co-pays and other costs not covered by medical insurance.

At no direct cost to the client, their employees can gain valuable coverage they can use to help pay for:

  • Diagnostic tests
  • Doctor appointments
  • Emergency rooms tests
  • Other hospital expenses

Individual Medical Bridge

An individual hospital confinement indemnity product that complements your core medical coverage, offering benefits such as hospital confinement, wellness, rehabilitation unit confinement and doctor’s office visits. An HSA-compliant plan is available. Guaranteed-issue and simplified-issue options are available upon approval.

Group Medical Bridge

A group hospital confinement indemnity insurance product that pays benefits to help cover out-of-pocket expenses associated with a covered hospital stay, outpatient surgeries, diagnostic procedures and health screenings. An HSA-compliant plan is available. Guaranteed-issue and simplified-issue options a month are available upon approval.

Employee’s most valuable asset is themselves

Help employees protect their loved one’s future by insuring their most valuable asset, their own life. Peace of mind comes when employees know their loved ones will be financially stable should they experience a permanent loss of income in the event of death. Our life insurance plans are tailored to fit the needs of employees during the different stages of life such as getting married, having children or preparing for retirement. 

Our life insurance offers:

  • Numerous options, including term and whole life insurance.
  • Dependent coverage is available.
  • Premiums are payroll deducted, so you can offer your employees peace of mind at no additional cost to you.

You can help your employees get the life insurance coverage they need to help protect what they’ve worked so hard to build.

Individual Term Life

An individual term life insurance product that offers three level term options (10, 15, 20 and 30 year), level death benefits, family coverage and guaranteed rates. 

Group Term Life

A voluntary group term life insurance product with flexible benefit designs. The product offers guaranteed-issue underwriting at initial enrollment with group rates. It is portable and convertible under certain conditions

Whole Life

A permanent whole life insurance product that provides guaranteed level premiums, guaranteed cash values and a guaranteed death benefit as long as premiums are paid when due and no loans are taken. Guaranteed-issue and simplified-issue options are available.

Help keep smiles healthy and employees happy

Did you know that oral health might contribute to various diseases and conditions such as, cardiovascular disease and pneumonia, along with many others? Dental insurance can help employees maintain good health and be an added financial protection. 

Your client’s business faces a variety of challenges every day. Fortunately, you solve many of them by offering a strong benefits package that includes dental insurance. Our employee-paid individual product provides benefits for a variety of covered procedures, from routine cleanings to root canals. 

By making dental insurance part of a comprehensive health and wellness plan, you can:

  • Give employees the freedom to see an extensive network of in-network dentists
  • Provide immediate coverage for routine cleanings and X-rays
  • Offer several family plan options to help with care for spouses and/or dependents up to age 26 years old
  • Can be kept even if they change jobs or retire

The policy covers routine procedures such as cleanings and fillings as well as sealants, tooth removal, crowns, dentures, and even implants!

Protect Your Vision With Additional Coverage

We offer optional vision coverage to help pay for eye exams and materials, such as glasses and contact lenses. This coverage can help maintain healthy vision and overall wellness, as well as provide valuable financial protection for employees, spouses and dependent children.


Virtual Primary Care

In today’s world, it is more important than ever to have a trusted team of physicians at your fingertips to diagnose your condition and guide you through the healthcare maze.  Direct2MD provides 24/7 access to physicians with your smart phone.  The Telehealth program through Direct2MD is both affordable and robust.
Direct2MD is a Virtual Primary Care Experience. Receive a diagnosis, written prescriptions, get sent out for medical imaging or lab work, all without the inconvenience of regular doctor’s offices or urgent care facilities. With the highest employee engagement and utilization, Direct2MD is the right choice.

What Direct2MD Treats

  • Cough, Cold, & Allergies
  • Flu, Vomiting & Diarrhea
  • Arthritis, Muscle & Joint Pain
  • Asthma & Bronchitis
  • Sore Throat & Laryngitis
  • Insect Bites
  • Conjunctivitis (Pinkeye)
  • Rashes & Skin Inflammations
  • Sprains & Strains
  • Pharyngitis
  • Urinary Tract Infections
  • Moles & Warts
  • Tonsillitis
  • Insomnia
  • Acne & More
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