Voluntary Benefits Broker Toolkit

Welcome to the voluntary benefits toolkit

Welcome

Why voluntary benefits

Downloadable resources

Guardian difference

Get a quote

Voluntary benefits can cover the expenses that many medical plans might not and can help support health and financial well-being. In times like these, that can be reason enough for your clients to offer them. But helping employees understand the value of voluntary benefits hasn’t always been simple. Until now. Whether employers don’t offer voluntary benefits at all, or need help with boosting participation, this toolkit includes information you need to ensure a strong, simple case for getting voluntary benefits from Guardian – with some new, dynamic ways to quickly engage clients. We want to help you get a productive conversation started that positions you as a voluntary benefits resource and helps you add lasting relationships to your book of business. Let’s begin!

Welcome

Why voluntary benefits

Offering a wider array of benefit options is good for business – in fact, Guardian’s independent research shows the number of employers offering voluntary benefits has increased 40 percent within the last decade.* Here’s why: Employers can share the cost. Often at just a couple dollars a day per product, many employers pass some or all of the cost to employees. Attract and retain talent. Offering voluntary benefits shows your clients care about their employee health and well-being, which helps keep current employees happy, and attracts new ones, too. Complement medical benefits. From diagnostic tests to babysitting, voluntary benefits can help with all of the unexpected expenses that traditional or high deductible health plans might not cover.

Voluntary benefits, simply explained

Do your clients’ employees know that accident insurance will help pay for the treatment of children’s sports injuries? Or that maternity leave can be covered under short term disability insurance? When you give employees simple answers to common questions about voluntary benefits, they’re more likely to enroll. That’s why we created the video series “Simply Put,” which provides the answers you need to make an impact. View the full video series here, or download each video below. Use these along with our fully customizable Powerpoint presentation to build a case for each client’s needs:

Selling the Guardian difference

Guardian makes it easy to access the quality voluntary coverage businesses need from a single trusted source. With an array of customizable options, we help you deliver the benefits your clients are asking for without breaking their budget. Plus, we make it easier to do business with one EDI file, as well as API integrations in development with leading benefits administration platforms. Take a look at how Guardian voluntary benefits stand out:

Get started

Ready to talk? Guardian can help you.

Downloadable resources

Guardian difference

Get a quote

Guardian's latest study: Benefits Optimization

Voluntary benefits the options employees love

What's hospital indemnity insurance?

Dental insurance. Why it makes sense to stay in network.

Accident insurance. Is it really worth it?

Short term disability. So you can plan ahead for the good stuff, too.

Critical illness: getting you back to where you were.

Long term disability. When should you start thinking about it?

Accident insurance

Guardian voluntary benefits overview

Guardian's latest study: Benefits Optimization

Voluntary benefits the options employees love

Guide to oral health

Looking for data on the impact of good oral health? This Guardian study found that groups with higher utilization of preventive care have lower healthcare costs over time.

Guardian’s Benefit Optimization Study 2020

Discover more insights about the growing popularity of voluntary benefits in Guardian’s latest report.

What's hospital indemnity insurance? And who needs it?

Cover any expense associated with a hospital stay. Yes, even the cost of the rideshare van.

Short term disability insurance. So you can plan ahead for the good stuff, too.

Benefits that can help when you have an illness, injury or life event that keeps you from work.

Accident insurance. Is it really worth it?

Here’s a way you can cover unexpected medical costs, especially before health insurance kicks in.

Dental benefits. Why it makes sense to stay in network.

The benefits of having dental insurance and how to save significantly on care.

Vision benefits. Helping employees see a real difference.

Screen time may be all the time these days. Help alleviate digital eyestrain and more.

Critical illness insurance: Getting you back to where you were.

If you have to deal with something big, like a heart attack, or stroke, critical illness insurance pays a lump sum to help cover expenses in the short-term, so you can focus on the long-term.

‘Simply Put’ client presentation

Use this Powerpoint to customize an experience based on your clients’ product needs and benefit interests.

Accident insurance

Guardian voluntary benefits overview

Vision insurance

Guardian Vision offers flexible plan designs that are easy to use and save employees money. A large network, convenient access, and customized plan designs accompany superior service.

Hospital indemnity insurance

Guardian’s hospital indemnity coverage pays a lump sum directly to an employee when they must enter the hospital. Employees can use that money to cover deductibles, pay rent, or any other expense associated with a hospital stay – no questions asked.

Welcome

Why voluntary benefits

Downloadable resources

Guardian difference

Get a quote

For Agent/Broker Use Only. Not For Use With The General Public. *Guardian Workplace Benefits Study 8th Annual, 2020. Insurance products are underwritten and issued by The Guardian Life Insurance Company of America, New York, NY. Products are not available in all states. Policy limitations and exclusions apply. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. GUARDIAN® is a registered service mark of The Guardian Life Insurance Company of America®. © 2021 The Guardian Life Insurance Company of America. 2021-126126 (09/23)

Request a quote now

Hospital indemnity insurance

Accident insurance

Guardian accident insurance covers more than 40 different circumstances, and can include options like a ‘Rainy Day Fund’ when members exceed the maximum number of treatments and visits. We also offer an injury-free benefit rider that rewards members who remain accident-free for at least five years.

Dental insurance

Critical illness insurance

When an employee is diagnosed with a major, chronic, or debilitating illness such as a heart attack or cancer, the last thing they should worry about is their finances. This insurance provides a cash benefit in the event of such a diagnosis.

Dental insurance

Guardian’s dental coverage focuses on helping employees maintain better oral health and save on unexpected oral procedures through access to one of the strongest dental networks.

The Guardian difference

Voluntary benefits can make the most impact when employees easily understand the offerings and make informed choices based on their needs. Learn how Guardian’s data-driven, omnichannel approach helps your clients create active, dynamic enrollment experiences for employees that help drive participation and business growth.

Critical illness insurance

Enrollment communications & technology

Critical illness insurance

Enrollment communications & technology

Watch now

Vision insurance. Helping employees see a real difference.

Find a sales representative who can offer guidance on finding the right voluntary benefits.

Find a sales representative

Guardian's Benefit Optimization Study 2020

Voluntary benefits. The options employees love

Guardian's Benefit Optimization Study 2020

Voluntary benefits. The options employees love.

What's hospital indemnity insurance?

Accident insurance. It is really worth it?

Dental insurance in the new normal.

Critical illness: getting you back to where you were.

Watch now

Surprise! Voluntary benefits cover that.

Vision insurance

Hospital indemnity insurance

Accident insurance

Dental insurance

Critical illness insurance

Enrollment strategies that deliver value

Vision insurance

Hospital indemnity insurance

Accident insurance

Dental insurance

Critical illness insurance

Enrollment strategies that deliver value

Watch now

Click Download to access video. To email: Right click to copy link and thumbnail. For download: select Video Actions button.

It may take a few minutes for presentation to download.

Disability insurance

Critical illness insurance

Disability insurance

Guardian offers a wide variety of voluntary disability products supported by outstanding claims service and decades of disability expertise.

Disability insurance

Guardian offers a wide variety of voluntary disability products supported by outstanding claims service and decades of disability expertise.

Disability insurance

Guardian offers a wide variety of voluntary disability products supported by outstanding claims service and decades of disability expertise.

Voluntary benefits. The options employees love.

Do your clients think they can’t afford to offer voluntary benefits? Think again. At just a couple of dollars per day, per product, many employers are able to share the cost of voluntary benefits with employees.

Voluntary benefits. The options employees love.

Life insurance. Why you’re never too young to start planning ahead.

Dental insurance in the new normal.

Watch now

Life Insurance. Why you’re never too young to start planning ahead.

It’s not just for people who may be married or have kids. There are lots of ways to set up your beneficiaries.

Click Download to access video. To email: Right click to copy link and thumbnail. For download: select Video Actions button.

Long term disability insurance. When should you start thinking about it?

A long term disability can have long term financial impact – so it’s best to be prepared.

Click Download to access video. To email: Right click to copy link and thumbnail. For download: select Video Actions button.

Guardian voluntary benefits overview

Life insurance

Critical illness insurance

Life insurance

We help employers offer a life insurance program that sets their employees on a path for better financial wellness, while looking out for their bottom line.

Allow a few minutes for your download to complete.

Life insurance. Why you’re never too young to start planning ahead.

Life Insurance. Why you’re never too young to start planning ahead.

It’s not just for people who may be married or have kids. There are lots of ways to set up your beneficiaries.

Click Download to access video. To email: Right click to copy link and thumbnail. For download: select Video Actions button.

Long term disability insurance. When should you start thinking about it?

A long term disability can have long term financial impact – so it’s best to be prepared.

Click Download to access video. To email: Right click to copy link and thumbnail. For download: select Video Actions button.

Allow a few minutes for your download to complete.

Life insurance

We help employers offer a life insurance program that sets their employees on a path for better financial wellness, while looking out for their bottom line.

Life insurance. Why you’re never too young to start planning ahead.

It’s not just for people who may be married or have kids. There are lots of ways to set up your beneficiaries.

Click Download to access video. To email: Right click to copy link and thumbnail. For download: select Video Actions button.

Critical illness insurance: getting you back to where you were.

If you have to deal with something big, like a heart attack, or stroke, critical illness insurance pays a lump sum to help cover expenses in the short-term, so you can focus on the long-term.

Click Download to access video. To email: Right click to copy link and thumbnail. For download: select Video Actions button.

Allow a few minutes for your download to complete.

Life insurance

We help employers offer a life insurance program that sets their employees on a path for better financial wellness, while looking out for their bottom line.