RL sangster & associates

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Life Insurance

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Life

Provides financial protection and peace of mind for an employee’s family in the event of a death.

Individual Term Life: Term life is ideal for high demand working years. Flexible benefit design offers four term options (10-, 15-, 20- and 30-year), family coverage and a set death benefit payment. It can be renewed or converted to a whole life policy.

Group Term Life: Flexible benefit designs with both employer and employee – paid options. Allows employees to purchase additional coverage at group rates. It’s portable and convertible to a whole life policy under certain conditions.

Individual Whole Life: Provides protection for a lifetime. Features guaranteed level premiums and increasing cash values over time. Option to increase coverage on the second, fifth and eighth year of the policy’s anniversary.

TYPES OF POLICIES

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Accident
Insurance

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Cancer
Insurance

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Critical Illness
Insurance

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Dental
Insurance

Disability
Insurance

hospital-bed

Hospital Confinement
Insurance

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Life
Insurance

What are
voluntary
benefits?

Sometimes called supplemental insurance, these benefits enhance your employees' medical insurance to help prepare them for life's unexpected challenges, like a sudden illness, injury or accident. Payable to the employee, they can be used for things other insurance may not cover.

CO-INSURANCE
OR CO-PAYS

REPLACING WAGES
OR SAVINGS

HOUSEHOLD
BILLS

75%

of employees said that access to benefits through their employer is more important today than ever before.**

**Prudential Financial, 2020 Insights on Open Enrollment, August 2020.

...benefits make all the difference.

Keeping your best employees engaged. Attracting new talent. Both are key to the long-term success of your business. So how can you differentiate your business in a competitive job market?
Voluntary benefits can help.
Keeping your best employees engaged. Attracting new talent. Both are key to the long-term success of your business. So how can you differentiate your business in a competitive job market?

RL Sangster & Associates provides benefits that your employees want for those unexpected moments in life, whether that's an accident, illness or injury.

wheelchair

DISABILITY

Provides financial protection to cover income loss from a covered disability.
Individual and Group Short Term Disability: Replaces a portion of your employees’ income if they have an accident or illness and can’t work. Optional features include protection for psychiatric and psychological conditions and waiver of elimination period for hospitalization.
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LIFE

Provides financial protection and peace of mind for an employee’s family in the event of a death.
Individual Term Life: Term life is ideal for high demand working years. Flexible benefit design offers four term options (10-, 15-, 20- and 30-year), family coverage and a set death benefit payment. It can be renewed or converted to a whole life policy.
Group Term Life: Flexible benefit designs with both employer and employee- paid options. Allows employees to purchase additional coverage at group rates. It’s portable and convertible to a whole life policy under certain conditions.

Individual Whole Life: Provides protection for a lifetime. Features guaranteed level premiums and increasing cash values over time. Option to increase coverage on the second, fifth and eighth year of the policy’s anniversary.

BENEFITS AT A GLANCE

plaster

Accident
Insurance

ribbon

Cancer
Insurance

cardiogram

Critical Illness
Insurance

tooth-brush

Dental
Insurance

wheelchair

Disability
Insurance

hospital-bed

Hospital Confinement
Insurance

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Life
Insurance

80%

of all employers recognize voluntary benefits and services as an important part of their employee value proposition.

Source: Willis Towers Watson, 2018 Emerging Trends: Voluntary Benefits and Services Survey, 2018.

tooth-brush

DENTAL

Provides coverage for a wide range of dental services, from routine cleanings to root canals. There are no waiting periods for preventive or basic services, such as fillings and simple extractions. Offers additional savings through a large national network of providers. Options available for orthodontia, vision and an annual maximum rollover benefit.
wheelchair

ACCIDENT

From a fall to a car accident, this coverage offers a range of benefits to help cover medical or non-medical related expenses due to a covered accident.
Individual and Group Accident: Provides benefits to help cover initial care, such as ER visits or x-rays, as well as more serious needs, such as fractures and dislocations. Includes follow-up care, like doctor’s visits, and physical therapy to assist with recovery. Optional features include active lifestyle benefits and wellness.
ribbon
cardiogram

SPECIAL RISK

Pays lump-sum benefits for a diagnosis of a critical illness or cancer, as well as ongoing benefits for treatment.
Individual and Group Cancer: Provides benefits for a cancer diagnosis and treatment. Option to add cancer screening benefit.
Individual and Group Critical Illness: Provides lump- sum benefits for a covered critical illness, such as a heart attack or stroke. Optional features include cancer treatment, cancer reoccurrence and a subsequent diagnosis benefit. Group critical illness also has a heart benefits rider and an infectious diseases rider available.
hospital-bed

HOSPITAL CONFINEMENT

Medical Bridge, also called hospital confinement, provides benefits to help cover the cost of a hospital stay and other medical procedures, regardless of what health insurance pays.

Individual and Group Medical Bridge: Provides benefits
for a range of procedures and medical events, such as
hospitalization, surgeries, diagnostic procedures, ICU and wellness screenings.

What is the difference between Individual and Group benefits?

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INDIVIDUAL BENEFITS

  • Employee-owned
  • Rate stable
  • Portable (employee can continue coverage after leaving the company)
  • Coverage is guaranteed renewable
  • No minimum participation requirement
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GROUP BENEFITS

  • Employer-owned with flexible underwriting
  • Guaranteed-issue options
  • Rate flexibility
  • Limited portability options

Common features across
multiple products¹

  • Coverage is available for spouses and eligible dependent children
  • Guaranteed issue with easy participation requirements2
  • Benefit is paid directly to the insured3
  • Employees can continue coverage with no increase in premiums if they retire or change jobs
  • Employees may receive benefits in addition to other insurance benefits
  • Premiums can be deducted from payroll for easy administration
  • HSA compliant
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Learn more about what
we have to offer at
RL SANGSTER & ASSOCIATES

Services
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Service at every step

We make account setup, enrollment, billing and claims easy. And we have a team ready to help when you need it.
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Personalized benefits counseling

Our benefits counselors can meet with your employees individually to create a personalized benefits solution that fits their needs now and in the future.
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A trusted partnership

As your business and employees’ needs change, we ensure that the support we provide changes and adapts, too.

Contact Us

We would love to speak with you.
Feel free to reach out using the below details.

[email protected]

RL Sangster & Associates

ACCIDENT, CANCER, CRITICAL ILLNESS, AND HOSPITAL CONFINEMENT INSURANCE ARE LIMITED BENEFIT POLICIES.

1. Eligibility may vary.
2. Benefits may be subject to a preexisting condition provision.
3. Except dental and vision.

RL sangster & associates

  • Injury
  • Illness
  • Dental
  • Vision
  • Life
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