Employee-Paid Voluntary Benefits

AIA provides a variety of voluntary benefits products to help employers offer additional benefits at no cost to the employer. Voluntary benefits allow employers to contain rising costs while providing valuable benefits that employees want. These benefits meet the needs of diverse employee groups, help attract new employees, and stabilize retention. They allow employees to purchase a broad range of benefits for themselves and their families at low group rates with the convenience of payroll deduction. Coverage may be portable, and benefits can be customized to suit individual needs. A variety of voluntary benefits are available, and the following are some examples:

• Interest-Sensitive Whole Life Insurance
• Universal Life Insurance
• Supplemental Term Life Insurance
• Short-Term Disability Insurance
• Long-Term Disability Insurance
• Disability Buy-Up Insurance
• Accidental Death and Dismemberment Insurance
• Cancer Insurance
• Critical Illness/Specified Disease Insurance
• Accident Insurance
• Hospital Indemnity
• Mini Medical Plans
• Legal Plans
• Identity Theft Protection Plans
• Long-Term Care Insurance
• Homeowners Insurance
• Automobile Insurance
• Pet Insurance
• Computer and Appliance Purchase Programs