Our Products

Worksite Benefits, also known as Supplemental Insurance or Voluntary Benefits, have become a funding vehicle for employers in need of enrollment systems and/or enrollment services. We offer employees insurance against all of the unexpected.

Financial security is our priority, which is why we strive to offer employees the best supplemental and voluntary benefits at little to no cost to your business. The Grove Agency offers the insurance plans your employees are looking for. Learn more about our specific products below or reach out to us if you have any questions.

Products We Offer

Help Protect Your Employees’ Paychecks

Employees who can’t work because they’re sick or hurt may have a tough time paying for their everyday living expenses. With our disability insurance, you can offer financial protection that can be tailored to meet each of your employee’s unique needs.

The reality is that employee absences can cost an employer money. Disability insurance can be an important component of an effective absence management strategy. It replaces a portion of an employee’s income if he or she becomes disabled from a covered accident or sickness.

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. Additional features include Accidental Death and Dismemberment (AD&D) and limited hospital confinement, fracture and dislocation benefits.

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 are available.

Help Your Employees Prepare for the Unexpected

With health care costs rising, it’s important to do everything you can to help your employees prepare for life’s sudden turns. While you want to do what’s best for your employees, you also have to consider costs and manage your budget.

Our accident insurance can help offset the unexpected medical expenses that can result from a fracture, dislocation or other covered accidental injury.

With our accident insurance:

  • Coverage can be employee-paid, so there’s no direct cost to you.
  • We offer several coverage levels to fit all budgets.
  • Your employees can choose to have stand-alone 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, and follow-up care.

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

Individual Accident Care

A guaranteed-issue, compositerated, guaranteed-renewable accident product that offers several coverage levels to fit all budgets. Features include employee and family coverage, or family only coverage, including 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

Help Employees with Serious Illness Expenses

Would your employees have the money to protect all they’ve worked for if they were to have a critical illness, such as a heart attack or stroke? While these illnesses can be sudden and unexpected, you can help your employees be financially prepared to cope with the costs associated with a serious illness.

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

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.

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.

When Cancer Strikes, Employees Should Focus on Recovery

More than likely, you and your employees have friends and family members who have been affected by cancer, so you understand the financial impact this disease can have. In addition to rising treatment costs, there can be numerous other expenses to consider.

With Colonial Life’s Cancer Insurance, you can help your 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.

Making Hospital Costs More Manageable

Health care costs are rising, and like you, your employees are looking for help. With an increasingly competitive job market, it’s important to offer a strong benefits package that can assist with these increasing expenses.

Hospital confinement indemnity insurance provides a lump-sum benefit for a covered hospital confinement or covered outpatient surgery to help offset the gaps caused by costs that aren’t covered by most major medical plans. In addition, this type of coverage can help you provide employees with a soft landing if you need to move to a major medical plan that has higher out-of-pocket costs.

At no direct cost to you, your employees can gain valuable coverage they can use to help pay for:

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

With this coverage, you can give your employees the help they need with high deductibles and co-pays.

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.

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.

Protect your family’s future

Most employees like to know that if something happened to them, their loved ones would have financial stability. Your employees depend on you for a sound benefits package, but sometimes it’s good to supplement what you’re able to offer, especially when it comes to life insurance.

Our life insurance products enable your employees to tailor coverage for their individual needs. As your employees’ needs change over time, they can update their coverage for each stage of life – whether they’re getting married, having children or getting ready for retirement.

With our life insurance:

  • There are numerous options, including term, universal 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, 20 and 30 year), level death benefits, family coverage and guaranteed rates. It is guaranteed renewable to age 95, convertible to age 75.

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

Individual Universal Life

An individual universal life product with flexibility that allows an employee to adapt to changing needs by varying face amounts and premiums. It also provides optional Long-Term Care Rider and Restoration of Benefits Rider.

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.

Family coverage is available with all life products.

Help employees protect their dental health

Dental insurance can help employees maintain good dental health with easy-to-use coverage. This added financial protection is a simple way to enhance a benefits package.

Our dental insurance plans:

  • 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 and dentures.

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.

Work with us

Grove Agency, Colonial Life