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Life Insurance

Term Life


Coverage for a specific amount of time
 
Option to possibly convert to a permanent policy later

Provides highest face amount for lowest premium

Best for:

Maximum coverage for lowest premium


Whole Life


Guaranteed interest rate on cash value accumulation

Builds cash value with ability to borrow

Remains in effect until age 100 as long as premiums are paid

Best for:

Building guaranteed cash value

Universal Life


Long-term protection with ability to accumulate some cash value over time

Flexibility payment schedule 

Access to cash-value for emergencies if enough value has built up

Best for:

Flexibility

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Employee Accident & Disability Insurance

Why Benefits Matter

Benefits are important to employees, and they're important to you company's bottom line too. The Aflac WorkForces Report found that employer-offered benefits are a strong differentiator when it comes to attracting employees, retaining them and protecting thier well-being. 

STRONG BENEFITS PROGRAMS ARE LINKED TO JOB SATISFACTION, RETENTION AND RECRUITING

Improving benefits ranks second (after increasing pay) as a way to retain employees... 34% say this would help keep them in thier job.

A strong majority of employees (85%) see a growing need for supplemental insurance benefits. 

Over half of employees surveyed (55%) would be at least somewhat likely to accept a job with lower compensations but more robust benefits package. 

COMPANIES GIVE AN GAIN VALUE BY OFFERING SUPPLEMENTAL INSURANCE

1 in 5 employees couldn't go more than one week without a paychek; 44% couldn't go more than three weeks. 

Source:

ABOUT THE STUDY

The 2018 Alfac WorkForces Report is the eighth annual study examining benefits trends and attitudes. Conducted by Lightspeed, the study captured responses from 2,000 employees across the United States in various industries. Visit AflacWorkForcesReport.com

This article is for informational purposes only and not intended to be a solicitation. Aflac individual coverage is underwritten by American Family Life Assurance Company of Columbus or American Family Life Assurance Company of New York. 

Alfac WorkForces Report

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