Business Details
45 Years
experience
Your Union-Backed Voluntary Benefits Partner
Founded in 1981 by Edward Stringer and James Franzoni, our company has dedicated over 38 years to providing voluntary benefits solutions tailored for labor unions, associations, and affinity groups. We specialize in offering life insurance, disability protection, annuities, and other critical coverage options through a network of union-affiliated benefits representatives. Our state-of-the-art administration system streamlines payroll deductions while negotiating group rates with top-tier insurers.Recognized as industry leaders through partnerships with Transamerica, Allstate, and Baltimore Life Insurance Company, we maintain a strong commitment to union values while delivering personalized customer care. Our team of licensed specialists ensures policyholders receive comprehensive support for enrollment, claims, and ongoing service needs.
Services
Life Insurance
Disability Protection
Long Term Care
Critical Illness
Annuities
Cancer Insurance
Hospital Indemnity
Accident Coverage
Dental Protection
Details
- Year established: 1981
Highlights and features
- We have over 38 years of experience serving labor unions and affinity groups.
- Our team consists of union members from Workers United with specialized benefits expertise.
- We operate as qualified Third Party Administrators with state-of-the-art billing systems.
- We negotiate discounted group rates with top-tier insurance carriers.
Services
Life Insurance
We offer comprehensive life insurance solutions including term, whole life, and universal life policies. Our programs provide financial protection for loved ones while incorporating unique features like long-term care riders and accelerated death benefits. Policies are available with guaranteed acceptance options and flexible premium structures.
Disability Protection
Our disability income protection plans replace a portion of earnings when illness or injury prevents work. Benefits start as early as seven days with coverage for up to 24 months, including maternity as a qualifying condition. We offer tax-free payments with customizable waiting periods and benefit amounts.
Long Term Care
We provide long-term care coverage up to $200,000 with guaranteed acceptance and no medical exams required. Benefits pay directly to insured individuals for home health care, assisted living, or nursing home stays. Our policies include extended benefit provisions for ongoing chronic illness situations.
Critical Illness
Our critical illness plans cover heart attacks, strokes, cancer, and other major conditions with living benefits paid directly to policyholders. We offer guaranteed acceptance up to $25,000 and family riders for spouses and children, with benefits usable for both medical and living expenses.
Annuities
We provide annuity solutions with guaranteed minimum returns and current competitive interest rates. Our programs combine life insurance protection with cash accumulation features, offering flexible contribution options and tax-deferred growth for retirement planning needs.
Questions
What are voluntary benefits and how do they work?
Voluntary benefits are insurance products offered through employers where employees pay the full premium through payroll deductions. We administer these programs by consolidating multiple benefits into a single payroll deduction while negotiating group rates.
Do you require medical exams for coverage?
Many of our policies offer guaranteed acceptance without medical exams, including life insurance up to $200,000 and critical illness coverage up to $25,000. Specific programs vary in underwriting requirements based on age and coverage amounts.
Can I get coverage if I'm already retired?
We offer select programs for seniors including Vantis Whole Life policies for ages 50-80 and annuity solutions that provide guaranteed returns. Some benefits remain portable upon retirement from covered employment.
How do I file a claim for benefits?
Our customer care specialists assist with claim submissions and coordinate directly with insurance carriers. Benefits representatives help policyholders understand documentation requirements and track claim status throughout the process.
Are your services limited to union members?
While we specialize in union-affiliated programs, our benefits packages are available to any affinity group, government agency, or employer seeking voluntary benefits solutions for their members or employees.
What training do your benefits representatives receive?
Our representatives undergo comprehensive product training and maintain industry knowledge about voluntary benefits. As union members themselves, they receive specialized instruction in personalized benefits counseling and enrollment assistance.
