For Employers

Give your team a
real safety net.

Voluntary benefits at no cost to you. Your employees choose the coverage they want — accident, critical illness, life, disability, dental, vision, and more — and pay via payroll deduction. You get a more competitive offer. They get real financial protection.

Zero employer cost — 100% employee-paid
We handle enrollment, paperwork, and support
Works alongside your existing health plan
Ideal for 5–150 employee groups

Coverage for every gap
health insurance leaves behind.

Powered by Colonial Life, a Unum company. 87,000+ businesses nationwide. Local enrollment, personal service.

Accident

Cash benefits for on- and off-the-job injuries. Covers ER visits, fractures, dislocations, and physical therapy.

Cancer

Lump-sum and ongoing benefits from diagnosis through treatment. Covers hospital stays, chemo, radiation, and more.

Critical Illness

One-time lump sum on diagnosis of heart attack, stroke, kidney failure, or other covered critical conditions.

Hospital Indemnity

Daily cash for hospital stays — covers lost wages, childcare, and expenses health insurance won't touch.

Life Insurance

Term and whole life options with portable coverage that moves with the employee, not tied to employment.

Disability Income

Replaces a portion of income when illness or injury keeps employees out of work. Short- and long-term options.

Dental

Preventive and restorative coverage your team actually uses — cleanings, fillings, crowns, and orthodontia.

Vision

Exams, frames, lenses, and contacts with broad network access. High-value, high-satisfaction benefit.

From inquiry to enrolled
in three steps.

01

You reach out

Fill out the form below. We schedule a no-pressure conversation about your workforce and what benefits make sense.

02

We design the program

We select products matched to your team's demographics and budget. Everything is explained in plain language, no jargon.

03

We handle enrollment

On-site or virtual 1-on-1 sessions with every employee. We do the paperwork. You stay focused on running your business.

Let's talk about
protecting your team.

No hard sell. No obligation. Just a conversation about whether voluntary benefits make sense for your business.

Prefer to call or email directly?

(904) 233-5548 necho.carroll@coloniallifesales.com