Employee Voluntary Life Insurance

VBS offers a variety of life insurance products for employees with varying needs. Whether an employee is young and single or nearer to retirement with dependents, VBS can structure the right plans to meet employee needs at an affordable price.

The matrix of decisions that need to be made in selecting the most suitable product come from answers to the following questions:

·• Are we trying to provide coverage right now or are we more concerned with post-
   retirement benefits with no further premium payments due?

·• What type of health questions do we want the employees to answer? Choices include:
   No health questions; two or three gatekeeper questions, such as, "Have you been
   hospitalized or lost work due to illness or injury in the past five years?" or asking the
   employee for their complete health history as well as having them take a medical
   examination.

VBS helps in the selection of the best product and also provides enrollment services to install the plan, thereby streamlining the installation process and minimizing the employee time involved.

For further information, contact us at 1-888-PLAN AHEAD or at info@vbscorp.com.