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Are You Selling the Right Benefits?


Tina Craft Benefits Manager, Insurance Office of America

Longwood, FL

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The employee benefits landscape is changing. Employers are looking for new ways to offer benefits to their employees and manage costs at the same time. We’re committed to working with you to identify and meet these changing employer needs.

With the uncertainty of health reform, products like Dental, Disability, and Life are becoming more important than ever before. Finding ways to enhance these traditional plans and package them with newer plans like Critical Illness is a good starting point for addressing employer needs.

A large dental network, efficient disability claims management, and lump sum payments for critical illnesses are strong selling points because they add value to current plans and help to fill the gaps created by changing medical coverage.

You should also think about programs and services that can help solve problems that traditional plans can’t. Voluntary benefits, Section 125 plans, absence management plans, tax-leveraged benefits, employee assistance programs, and ASO plans are all innovative ways to help employers provide valuable services at a reasonable cost.

Contact your Guardian Group Sales Representative for more information.

DentalOne of the largest networks and flexible plans have made us a dental market leader that gives employers choice.
DisabilityRanked 1St in STD sales and 2nd in LTD, our plans protect employees and get them back to work quickly1.
LifeRanked 3rd in new life sales, our plans offer generous guaranteed life benefits plus value-added features1.
Critical Illness Helps employers fill gaps in medical coverage with a benefit up to $50,0002.
VisionWith access to the largest provider of eye care coverage, our vision plan is a perfect dental plan partner3.
WorksiteWith higher participation rates than the industry average, our voluntary plans provide basic, affordable protection4.
FlexplanHelps employees pay for benefits with pre-tax dollars. Set-up fee waived for eligible groups.
Stop Loss
(for Self-Funded Medical)
Helps mitigate employers’ financial risk when self-funding a medical plan by providing protection against catastrophic or unpredictable claims.
Small Group Sales Special sales unit dedicated to offering comprehensive benefit plans to employers with 2-15 employees.

1 LIMRA Year-End Report, 2010.
2 Not available in all states.
3 VSP.com, 2011.
4 Eastbridge Study, 2010.