ESD Insurance News

  September 15, 2020

What is Voluntary Supplemental Life Insurance?

voluntary supplemental life insurance Whether voluntary supplemental life insurance is right for you depends on a variety of factors, so if you are considering signing-up for supplemental benefits, learn more about this life insurance option. […]

  August 15, 2020

What Types of Expenses Will Cancer Insurance Cover?

cancer insurance coverage Cancer insurance can help pay some of the costs associated with cancer care that health insurance does not cover. Learn more about this type of supplemental health insurance. […]

  July 15, 2020

How Many Employees Do You Need to Offer Voluntary Life Insurance Benefits?

voluntary life benefits Voluntary life insurance benefits are optional benefits offered by employers in which an employee may pay premiums in exchange for a death benefit. Typically, this is offered in businesses with 10 or more employees. […]

  June 15, 2020

Filling the Insurance Gap for Essential Postal Workers

postal employee supplemental benefits Postal workers are a critical part of our country’s infrastructure. Learn how to attract and retain qualified talent in this industry by bridging the insurance gap. […]

  May 15, 2020

The Importance of Providing Additional Benefits to Critical Civil Service Employees

voluntary benefits for civil service employees “Essential Employee” seems to be the buzzword of 2020, but what does it really mean to manage a workforce of critical civil service employees? Read more to explore the importance of providing additional benefits to critical civil service employees in this article. […]

  April 15, 2020

What is a Lump Sum Cancer Insurance Policy and How Does it Work?

lump sum cancer insurance Fortunately, to help cancer patients with the mental and financial burden of cancer, cancer insurance helps those who may want a little extra financial cushion with their out of pocket expenses. Learn more about what cancer insurance is and the options you have for the type of payouts. […]

  March 15, 2020

Employer-Provided Life Insurance vs. Voluntary Benefits and Individual Life Insurance

individual and group life insurance options When it comes to purchasing life insurance, you may have multiple coverage options including employer provided, voluntary benefits, and individual policies. Learn more about these different options so you can find the coverage that best suits your needs. […]

  February 15, 2020

What is the Difference Between Life Insurance Conversion and Portability?

life insurance convertibility vs portability What is the difference between a convertible and portable life insurance policy? Read more to learn what these two options mean, what types of policies they apply to, and how each could be important for having the life insurance you need. […]

  January 15, 2020

3 Advantages and Disadvantages to Whole Life Insurance

benefits of whole life insurance If you are comparing the options between whole life insurance and term life insurance, dive in deeper and make a more informed decision. Take a look at the following advantages and disadvantages to your potential whole life policy. […]

  December 15, 2019

Does Life Insurance That Is Part of a Voluntary Benefits Program Have Cash Value?

voluntary benefit life insurance cash value What kinds of voluntary life insurance are there, and do any of them build cash value? Find answers to these popular insurance questions and more in this week’s ESD blog. […]

  November 15, 2019

What is a Life Insurance Cash Surrender Value and Does it Pay Out in Addition to the Death Benefit?

life insurance surrender value If you have a life insurance policy that has cash value, you may have heard about the cash surrender value. It’s important to understand how this works when you are considering your life insurance options, so we have put together this quick guide. […]

  October 15, 2019

Why Are Life Insurance Benefits Important?

group life insurance benefits If you are a new employee or approaching open enrollment, you may be thinking about your health insurance and 401K benefits. This is also the perfect time to assess your life insurance needs and consider your options either through group benefits or an individual policy. […]

  September 15, 2019

The Advantages of Offering Supplemental Health Insurance for School District Employees

supplemental health insurance for school employees Having the right benefits to fit your needs can make the difference between an uncomfortable living situation and a happy home. As such, school district workers are asking how they can improve their quality of life with supplemental health insurance. […]

  August 15, 2019

Do Federal Employees Have the Option to Buy Cancer Insurance?

cancer insurance for federal employees The Federal Employees Health Benefits (FEHB) Program helps civil service employees through a variety of insurance options, but what about supplemental insurance to cover out-of-pocket expenses like cancer treatments. If you are a federal employee read more about your options. […]

  July 15, 2019

3 Ways to Receive the Cash You Need From Your Life Insurance Policy

cash out of life insurance If you know your life insurance policy has a cash value but are not quite sure how to utilize it, this article can help. Read more about your options for access a life insurance’s cash value. […]

  June 15, 2019

Final Expense and How it Compares to Term Life

final expense vs term life insurance This article from Globe Life’s Employee Services Division discusses the general concept behind a final expense plan and the different types available, as well as reinforces how it differs from term life insurance. Learn more today. […]

  May 15, 2019

Should I Replace My Life Insurance After Retirement?

life insurance after retiring If you’re entering retirement, you may be wondering about your life insurance coverage. Working through a series of questions can help determine whether you will still need life insurance in your retirement, so learn more about those individual factors today. […]

  April 15, 2019

FEHB Coverage for Indian Tribal Employees

FEHB coverage for indian tribal employees The Patient Protection and Affordable Care Act allowed Tribes, Tribal Employers, and Urban Indian Organizations carrying out programs to purchase the rights and benefits of the Federal Employees Health Benefits (FEHB) Program for their employees. We’ve listed some common questions people have about insurance for Tribal employees. […]

  March 15, 2018

Can I Convert a Group Life Insurance Policy to an Individual Policy?

convert life insurance policy If you have a life insurance policy with your employer or other group, you may be wondering if you can take that policy with you. If so, read more about your policy portability options. […]

  December 15, 2018

The Cost of Cancer

supplemental cancer insuranceAccording to the American Cancer Society, a total of 1,762,450 new cancer cases and 606,880 deaths from cancer are expected to occur in the U.S. in 2019. […]

  December 15, 2018

Buying Group Life Insurance for Small Businesses

small business group life insurance As a small business owner, group life insurance can be a critical component of the business’ financial portfolio. It can serve a few different needs such as protection, benefits, and prevention. […]

  December 5, 2018

4 Retirement Trends to Watch for in 2019

4 Retirement TrendsAs the initiative to help workers with their financial security and retirement preparation intensifies, the Institutional Retirement Income Council (IRIC) released their predications for what the retirement planning community should watch for in the coming year. […]