Many insurance carriers offer supplemental insurance programs that allow employees to buy excess insurance on top of the base plans offered by the employer.  These plans usually carry the advantages of group rates, limited underwriting and easy payment of premium for the employee through payroll deduction.

Certain carriers offer voluntary insurance programs that operate independently from the group plan.  Almost any benefit can be offered in this fashion.  These programs offer the advantages of easy purchase at the worksite and ease of premium payment through payroll deduction.  The big benefit for the employer is that they are benefits that can be offered at no direct cost.  

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