Employee Benefits

JN Insurance Agency, helps provide companies with a wide variety of plans. Our plans give employees flexibility for extra coverage for accidental benefits, short-term and long-term disability, and sickness.

Our Accident Insurance Portfolio

Accidents can happen and when they do, medical and non-medical expenses can start adding up. Our accident insurance provides immediate benefits to assist with these unexpected costs. Accident coverage helps provide employees with additional financial protection to help cover the medical and non-medical costs of a covered accident.

Individual Accident is a voluntary, composite rated, guaranteed renewable accident product that provides indemnity benefits for on and off-the- job accidents or off-job- only accidents. Individual Accident is HSA-compliant.

• Individual Accident offers a fixed schedule of benefits from the initial care at a physician’s office or emergency room, specific injury benefits such as bone fractures or dislocations, surgery and hospital benefits, and follow-up care such as therapy benefits.

A Voluntary Individual Short Term Disability Insurance Product

Individual Disability is a voluntary short-term disability product that is sold through  payroll deductions at the workplace. Individual Disability is HSA-compliant.

Our Cancer And Critical Illness Insurance Portfolio

Our cancer insurance policies pay lump-sum benefits that can help employees pay out-of-pocket expenses resulting from cancer treatment. Just as important, these products also cover annual cancer screening tests and wellness benefits to encourage employees to have regular screenings and improve their chances of survival if they do develop cancer.

“Critical illness insurance is specified disease insurance designed to help employees and their families maintain financial security during the lengthy, expensive recovery period of a serious medical event such as cancer, heart attack or stroke. Our products help employees with the out-of- pocket medical and non-medical expenses of a specified disease.”

We will do a precise analysis about ensuring the products offer by our multiple carriers can align with the best interest of our client, keeping close attention to pricing and ease of enrollment. Our focuses is on four areas of protection, many of which offer group as well as individual plans:

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