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Need more help deciding?Jeff Skeesick can answer questions you may have. 866.696.3154 orjskeesick@aiin.net.

Protecting your loved ones from financial risk is vitally important. inova can recommend group life and disability solutions that can protect your estate and preserve your resources. Shielding your small business from financial risk is equally critical. Give inova a call, and we can suggest competitively-priced packages that provide the security you’re looking for.

 

Knowing your options. With literally hundreds of products and plans available, group life and disability can sometimes be confusing. This site provides excellent information so you can learn more about your options. If you are ready to get a quote, we will work closely with you to ensure results that meet your individual needs and the needs of your group and business.

inova has a demonstrated ability to provide life and disability benefits for groups of all sizes and nearly every industry. We offer competitively priced products that enhance group benefit packages by providing the features valued by employers and their employees.

Flexible plan designs allow us to work closely with employers to provide a solution that meets the unique needs of your group. The following products are currently available:

Group Life Insurance. Group life insurance provides benefits to a beneficiary in the event of an employee’s death. The time you spend with your family is priceless, full of fun times and precious memories. But what would happen to them if you suddenly died? Would those memories be enough to sustain them through this difficult period?

It’s not pleasant to think about, but your death could potentially leave your family unable to meet existing and unexpected financial obligations. In addition to paying every day bills, there may be unexpected expenses of final medical treatments and funeral costs.

Your employer may provide an excellent opportunity for you to help protect your loved ones by offering group life insurance. This coverage can help your surviving family members be financially prepared and offers peace of mind as they adjust to a new life. Talk to inova about group life insurance now, while you’re busy making memories.

Group Accidental Death & Dismemberment (AD&D) Insurance. Group accidental death and dismemberment provides benefits in the event of death caused by accident or loss of limb. Few people are prepared for the sudden financial loss brought on by an accidental death. And even fewer can be prepared financially for the high cost of living after an accident results in the loss of sight or a limb. Would you and your family be financially prepared in the event such an accidental loss?

Your employer may provide you with an excellent opportunity to protect yourself and your family by including AD&D insurance as a “stand-alone” insurance policy or as part of a group life insurance plan. AD&D insurance is designed to pay a benefit to you or your beneficiary if you have an accident that results in a covered loss.
Talk to an inova benefits representative for more information about AD&D insurance.

Dependent Life Insurance. Dependent life insurance provides benefits to the employee in the event of death or deaths of that employee’s dependent(s.)

Short-Term (STD) and Long-Term Disability (LTD) Income Insurance. This insurance plan provides benefits for income replacement in the event an employee is unable to work due to an illness or injury. Chances are you may already own home, auto and life insurance to protect yourself against the threat of loss. And you probably have health insurance to guard against costly medical bills.
But what steps have you taken to help shield yourself and those who count on you from an unexpected loss of income? Would you be able to pay the bills if you became disabled and unable to work…even for a short amount of time?

Your employer may provide an excellent opportunity for you to help protect your income by offering group short term disability insurance (STD). STD insurance is designed to pay a benefit for a period of time in the event you cannot work because of a covered illness, injury, pregnancy or mental disorder. This benefit replaces a portion of your weekly income, helping you to meet your financial commitments just when you may need it most.

Long-term disability insurance (LTD) provides income replacement if you experience a covered illness, injury or pregnancy. This coverage can help with every day bills such as mortgage or rent payments that continue even when you can’t work — expenses that health insurance won’t cover.

Talk to an inova benefits representative for more information about short- and long- term disability insurance.

Voluntary Products. In addition to the employer-sponsored group insurance options above, life and dependent insurance, AD&D, STD and LTD individual insurance benefits can also be provided through employee payroll deduction on an individual voluntary basis.

 

Of course, which options are available to a group can vary by group size, location and other factors, but getting the expert advice you need is easy when you purchase through inova. To find out which products are available to your group, give us a call at 866.696.3154 or emailjskeesick@aiin.net.

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inova | 1206 N. Lincoln Suite 200 |  Spokane WA 99201-2559 | P: 509.777.2655 TF: 866.696.3154
Fx: 509.777.2675 | E: jskeesick@aiin.net

www.aiin.com