Increase the strength of your benefits package without increasing your budget with voluntary, or supplemental, employee benefit products.

Businesses love voluntary products because they:

  • Add benefits without adding cost
  • Give employees choices they may not have on their own
  • Strengthen an employer benefit package
  • Set employers apart from their competitors
  • Help employers retain employees
  • Are easy to implement

Employees love voluntary because they:

  • Are easily paid with a payroll deduction
  • Give access to a broad array of options
  • Often are a lower cost than finding coverage on their own
  • may offer portable coverage

AUI offers a wide variety of voluntary products from many carriers. In addition, we can enroll your employees so you don’t have to be involved with their decision-making process.

We make implementation easy.

Some of our voluntary products include:

  • Life Insurance
  • Vision Insurance
  • Dental Insurance
  • Short Term Disability
  • Long Term Disability
  • Flexible Spending Accounts
  • Identity Theft Protection
  • Prepaid Legal Services

Dental and Vision Insurance

Business dental and vision insurance plans are at the top of the list of benefits requested by employees. At AUI, we represent an array of dental and vision care providers and plans that can meet the needs of your organization. Some can even be integrated with health insurance for bill consolidation.

Among them are:

  • Voluntary Dental and Vision Plans
  • Managed Care Plans (HMO)
  • PPO Network Plans
  • Non-Network Plans

Disability Insurance

Your employees’ most valuable asset is their income. Members of your workforce are statistically 7 ½ times more likely to need disability benefits than death benefits, and nearly one-third of Americans aged 35-65 will suffer a disability of at least 90 days.

Give your employees a way to protect their income in the event of a disability, adding value and stability to your benefits package for relatively little cost.

AUI offers the following types of disability insurance:

  • Short Term Disability
  • Long Term Disability
  • AD&D

AUI provides access to quality programs and business disability benefits that your workforce wants to meet its short-term or long-term disability needs. Our experts will work with you to find the best benefits for your business including:

  • Voluntary Products – Employee-paid
  • True Group Products – Employer-paid
  • Flexible Plan Designs
  • Rate Guarantees

Life Insurance

Nearly 7 in 10 U.S. workers across all generations believe having a life insurance benefit available to them at work is important. AUI offers a wide range of products to meet your workers’ various long-term needs. Group or individual products can be paid by the employer, employee, or a combination of both, and products can also be purchased directly or through a payroll deduction.

AUI’s business life insurance product offerings include:

  • Basic Life and AD&D
  • Universal Life
  • Whole Life
  • Term Life
  • Flexible Guaranteed Issue Limits
  • Waiver of Premium Benefit
  • Accelerated Death Benefit
  • Portability of Coverage
  • Annuities

Giving your employees peace of mind that their family will have some financial stability in the wake of a tragedy can help strengthen your overall benefits package. Six in 10 U.S. workers indicate losing life insurance through their employer would have a negative impact on them and their families. At AUI, we can help you find affordable group and individual options to protect your team.

Executive Insurance Plans

Have you considered the cost of replacing a key employee in the event of a tragedy? What about your business partner? Would you be able to buy out an heir or would you be forced to work with someone who does not feel the same way about the business? AUI can assist you in creating a comprehensive strategy for business survival. From key person insurance to buy-sell agreements, we have the expertise to guide you.

Find out if supplemental benefits would be a fit for your organization.

AUI can assist you with choosing and coordinating your supplemental benefits
to give you and your employees the best value possible.