Portable Individual Life Insurance
Employee-owned coverage that can stay with the individual when they change jobs, retire, or relocate.
Coverage that follows the person, not the payroll.
Employee benefits, expanded
Give Your Employees More. Without Replacing the Benefits You Already Have.
Smarter benefit options. Independent guidance. More value for your workforce.
More Options.
You are not tied to one carrier or one program. We bring several strategies to the table.
Better Benefits.
Stronger protection for employees. A more competitive package for the employer.
Smarter Decisions.
Clear guidance on which options actually belong in your organization, and which do not.
Your Current Benefits Are the Starting Point. We Help You Build From There.
A strong benefits package does not always require replacing what you already have. We evaluate your current offering and identify additions that complement it.
What you already have
- Health insurance
- Group life insurance
- Retirement plans
- Other employee programs
What we can add
- Portable individual life insurance
- Preventive and virtual care
- Wellness resources
- Financial wellness education
Our goal is simple: give your employees more useful options while keeping implementation as straightforward as possible for your organization.
What we can add
Employee Benefits That Go Beyond Traditional Insurance
Today's employees have different needs, families, financial situations, and healthcare priorities. A one-size-fits-all package may leave important gaps. We help employers expand the choices available to their people with benefits such as:
Term and Permanent Life Options
Additional protection employees can consider alongside employer-provided group life insurance.
Family Protection Planning
Options designed to help employees think through protection for spouses, children, income, debt, and long-term family needs.
Preventive and Virtual Healthcare Access
Programs that can provide virtual primary and urgent care and access to commonly prescribed medications.
Mental Health and Wellness Resources
Additional support in areas such as mental wellness, relationships, financial wellness, fitness, and nutrition.
Financial Wellness Education
Educational resources that help employees better understand insurance, protection strategies, and long-term financial planning.
More Protection for Employees. Less Complexity for Employers.
Adding benefits should not mean adding another full-time job for HR. We focus on solutions designed to minimize administrative burden while giving employees meaningful choices.
For Employees
- Choose whether to participate. Voluntary programs are optional.
- Select the coverage level appropriate for your situation.
- With voluntary individual life insurance, pay premiums directly to the carrier.
- Receive education and ongoing customer support from the program provider.
For Employers
- No employer-paid premiums on voluntary individual life coverage.
- No payroll integration required for voluntary individual life coverage.
- Preventive-care programs can be structured to complement your existing health plan while redirecting certain routine services away from the primary plan.
- Programs are designed to reduce ongoing HR involvement after implementation.
You keep the benefits that are already working. We help you explore what can make them better.
Help Employees Protect What Matters Beyond the Workplace
Employer-provided coverage can be an important foundation. But an employee's financial responsibilities do not end when the workday does.
- Mortgages
- Children
- Spouses
- Debt
- Retirement
- Unexpected illness
- Long-term goals
We help employees understand where their current protection stands and what additional options may be available. Rather than simply presenting another insurance product, we help employees make informed decisions about coverage that fits their individual circumstances.
Healthcare Benefits Employees Can Actually Use
Great benefits are most valuable when employees can easily access them.
Through select benefit programs, employers may be able to provide employees with additional access to everyday healthcare services without replacing their existing major medical insurance.
Programs of this kind can include virtual primary and urgent care, access to commonly prescribed medications, and wellness resources. They are described as a supplement to existing health insurance, not a replacement for it.
- Virtual primary and urgent care
- Commonly prescribed medications
- Mental health, fitness, and nutrition resources
Benefit strategy
Benefits That Can Create Value on Both Sides of the Paycheck
Some employee benefit strategies can do more than add services.
One program type available through Insurance Selections is structured as a Self-Insured Medical Expense Reimbursement Program, or SIMERP. According to the program materials, eligible employees may see an increase in take-home pay through reduced taxable income and reimbursement, while participating employers may reduce payroll-tax liability.
Potential Employer Advantages
Per the program materials
- Reduced payroll taxes
- Lower primary-health-plan utilization
- Improved access to care for employees
- Less administrative burden on HR
Potential Employee Advantages
Per the program materials
- Another avenue for routine and preventive care
- Access to commonly prescribed medications
- Wellness and mental health resources
- Possible increase in take-home pay while participating
Better access for employees. Potential savings for employers. A stronger overall benefits strategy.
Program availability, eligibility, tax treatment, savings, and benefits vary. Final terms should be confirmed through applicable plan, carrier, tax, and legal documentation. Insurance Selections does not provide tax or legal advice. Consult your own advisors. Ask about eligibility during your consultation.
There Is No Single “Best” Benefit Package. There Is a Better Fit for Your Company.
Insurance Selections gives employers access to multiple benefit strategies, and the guidance to understand which ones actually belong in their organization.
We help you look at your workforce, your existing benefits, your objectives, and the gaps employees may currently be experiencing. Then we help you compare available solutions.
Because the right answer for one company may look completely different for another.
Insurance Is Complicated. Choosing It Shouldn't Be.
The Employee's Problem
Employees are often handed pages of benefits information without really understanding what they own, what disappears when they leave their employer, or where gaps may exist.
The Employer's Problem
Employers face a different challenge: offering meaningful benefits while managing budgets, compliance considerations, administration, and employee participation.
Where We Sit
Insurance Selections sits between those two problems. We help employers understand the available options and help employees understand what those options actually mean.
A Better Benefits Experience Starts With Better Education
Giving employees another benefit is not enough. They need to understand it. Depending on the programs selected, Insurance Selections can coordinate educational resources, workshops, enrollment support, individual consultations, and ongoing assistance so employees have an opportunity to ask questions before making decisions.
No unnecessary jargon. No one-size-fits-all recommendations. Just clearer choices and knowledgeable guidance.
The process
How Insurance Selections Works
- 1
Understand
We start with your current benefits package, workforce, priorities, and challenges.
- 2
Explore
We identify complementary insurance, healthcare, and financial-wellness options that may add meaningful value.
- 3
Select
We help you compare the available programs and determine which solutions fit your organization.
- 4
Educate
Employees receive clear information and an opportunity to learn about the benefits available to them.
- 5
Support
We remain a resource for your organization and your employees as needs change.
Questions Employers Ask First
Does Insurance Selections replace our current health or group life insurance?
No. Everything we help you add is designed to work alongside the coverage you already have. Your existing health plan, group life, and retirement programs stay in place.
What does this cost the employer?
It depends on the program. Voluntary individual life insurance involves no employer-paid premiums and no payroll integration; employees who choose to participate pay the carrier directly. Other programs have their own structures, which we walk through with you before anything is selected.
How much work is this for HR?
The programs we bring are chosen to minimize administrative burden. Employee education, enrollment support, and ongoing questions are handled by the program providers, and we coordinate the process with you.
What is a SIMERP?
A Self-Insured Medical Expense Reimbursement Program is a benefit structure that, according to program materials, can increase employee take-home pay and reduce employer payroll-tax liability while adding preventive-care access. Eligibility and tax treatment vary and must be confirmed with your own tax and legal advisors.
Are employees required to participate?
No. Voluntary programs are optional. Employees learn about the options, ask questions, and decide for themselves.
What size of company is this for?
We work with employers who already offer some benefits and want to strengthen them. If you have a workforce and an existing package, we can look at what could be added.
How do we get started?
Schedule a consultation. We review what you have today, discuss your goals, and outline the options worth considering. There is no obligation.
Next step
Strengthen Your Benefits Without Starting Over
You may already have a good benefits package. We can help you make it better. Whether your goal is to give employees more financial protection, improve access to everyday healthcare, address gaps in existing coverage, strengthen recruitment and retention, or explore new benefit strategies, Insurance Selections can help you understand your options.