Supplemental benefits or as it was previously known as voluntary or payroll deduction insurance has increased dramatically over the past 15 years.
As independent general agents and brokers we are able to offer a multitude of products that best serve our brokers and employers. Underwriting rules are changing and becoming more liberal. More cases are being issued as simplified or guaranteed issue. And voluntary cases that used to need a high rate of participation now only require a smaller amount of participation or maybe only a minimum number of lives.
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