Voluntary Insurance Benefits for Small Businesses
Why voluntary insurance may be right for small businesses
Small business clients may wonder why voluntary insurance is an option for them — especially if they have as few as two employees. After all, voluntary insurance is seen as a significant expense. And often there isn’t someone at a small company who has the bandwidth to seek out and research plan options, let alone drive enrollment and administer those benefits.
Guardian is here to help. With our voluntary worksite benefits, your clients can offer attractive benefits packages to current and prospective employees. These benefits can help your clients attract and retain talent — and that can help them stay competitive with larger companies. What’s more, voluntary worksite benefits can be offered at little to no direct cost to employers, with convenient payroll deductions for employees.
Our consultative approach ensures a customized, holistic solution
Before we recommend insurance plans, we work carefully with you to gain a clear understanding of your clients’ objectives. Then we configure a solution tailored to their needs. That may involve adding a few products or creating a bundled offering.
When you recommend Guardian, your clients can have the simplicity of dealing with a single carrier that provides ongoing support, from account onboarding to enrollment planning and communication to billing and administration. It's this level of service that has helped make Guardian one of the fastest-growing companies in voluntary benefits sales.2
An extensive range of products for your clients
Our voluntary product portfolio includes both traditional and supplemental health benefit offerings:
Minimal participation requirements apply and, to help simplify underwriting, many of these products offer guaranteed issue amounts based on group size. If employees choose to leave, there are portability and conversion options available to provide continuity of coverage after their employment ends.
Easier implementation and administration with tech-forward support
While it’s one thing to have the right products, it’s quite another to get them up and running. Guardian will help you educate your clients and set up the right systems and practices to make offering voluntary worksite benefits as seamless as possible.
Guardian Anytime
Guardian simplifies enrollment and administration by combining all non-medical products on one platform, with one group plan number and one bill on GuardianAnytime.com.
This robust online portal allows your clients the convenience of self-servicing their account, with 24/7 online access to their benefit plans. They can manage enrollment and eligibility, make plan changes, check claim status, view billing summaries, print and download reports, forms, plan materials, and more.
GuardianAnytime.com streamlines online enrollment providing a fast and accurate new customer implementation with a predictable timeline and plan effective date.
Minimal employee data needed to get started
Two flexible enrollment methods to fit the needs of your client and their workforce
Employees get ID cards at enrollment and can use benefits right away without hassle
Error-free enrollment data loaded into Guardian systems for billing, commissions, and claims processing
Real-time reports track employee enrollment status
Timely and accurate first bill generated
One of the carriers most frequently used by benefits brokers for voluntary benefits is ready to work with you.3
Find out more about how we can help you address the needs of your small business clients.
Contact a Sales Representative about why voluntary insurance sales are on the rise.
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