Workplace & Benefits Partners
Extend support beyond traditional workplace benefits.
Cover More of Life.
Personal insurance for more of life.
Benefits Beyond Work helps individuals, families, and households navigate personal insurance when life changes, when existing coverage leaves a gap, or when they simply know what they need.
Coverage across the household
- Working part-timeHealthcare
- Changing jobsCoverage transition
- Growing a familyProtection
- Approaching 65Medicare
- Planning aheadRetirement & Legacy
One household can hold several of these at once.
Start here
Start With What's Changing
Most people don't come to us looking for a product. They come because something changed — at work, at home, or in life. Pick the change that fits and we'll work outward from there.
Insurance solutions
Just Need Insurance? We Can Help With That, Too.
Not every insurance need starts with a major life change. Sometimes you already know what you’re looking for.
Whether it’s medical, dental, vision, life, disability, Medicare, accident, critical illness, retirement income, or personal property coverage, Benefits Beyond Work can help you explore coverage for you and your household.
Five solution families
Coverage options vary by household, carrier, and state, and are subject to availability.
Organizations & partners
Give the people you serve somewhere to turn.
Organizations can connect employees, clients, customers, members, and their households with personal-insurance education and human guidance while keeping their own role clear.
Financial & Professional Partners
Extend the client relationship without extending your scope of practice.
Membership & Community Partners
Extend personal insurance support to the people you serve.
One connected experience
One Household. Multiple Needs. One Connected View.
Healthcare, protection, retirement, property and lifestyle, legacy, and Medicare needs don't always occur independently. A change for one person may affect several areas across the household. We look beyond the individual transaction to understand what is changing, who else may be affected, and which areas may need attention.
One transition. Different household considerations.
Medicare
May require attention where the person is eligible — retiring does not by itself create Medicare eligibility.
Healthcare
May require attention where a spouse or dependent needs coverage of their own.
Protection
Income, care, or family protection may warrant review.
Retirement
Income considerations may be relevant, depending on the situation.
Property & Lifestyle
Home, vehicle, or personal liability needs may be relevant.
Legacy
Protection and beneficiary preparedness may warrant review.
When one person retires, different questions may emerge across the household depending on age, employment, existing coverage, eligibility, and individual circumstances.
Healthcare
Individual and family medical, dental, and vision coverage for needs that may arise when workplace benefits aren't available, are changing, or need additional support.
Protection
Life, disability, supplemental benefit, and long-term-care coverage considered around the financial consequences a household may face.
Retirement
Insurance-based solutions that address income, longevity, and protection needs in retirement.
Property & Lifestyle
Auto, homeowners, renters, umbrella, and related personal coverage where property or liability needs are relevant.
Legacy
Protection and preparedness for what you want to leave behind — including life insurance where appropriate, beneficiary preparedness, financial-account organization, and coordination with the legal and financial professionals who may be part of the larger legacy picture.
Medicare
Guidance around Medicare eligibility, timing, and how Medicare may interact with workplace coverage.
From Work to Home
Start with the benefits you already have.
Personal insurance is not always the first answer. We help people understand what exists through work, what may continue, and what the household may still need.
Understand
Review the healthcare, protection, retirement, and voluntary benefits already available through work.
Preserve
Identify what may continue, remain useful, or offer portability or conversion where plan provisions allow.
Identify
Look across the household for needs that are changing, ending, unavailable, or no longer appropriate.
Supplement
Consider personal insurance only where an appropriate need remains.
Workplace benefits are built around eligibility. Life changes happen across households.
Insights & research
Understand what's changing — and what it means.
Research, education, and practical guidance about benefit eligibility, life and work transitions, household needs, and the decisions that come with them.
Get started
What’s Changing?
Start with what’s changing, or start with the coverage you already know you need.
I’m looking for myself or my family
Tell us what’s changing and we’ll help you see the options for your household—or choose the insurance coverage you already know you need.
Talk With a Financial Relationship Manager™Explore Insurance SolutionsI represent an organization
Help your organization plan ahead, respond to benefit changes, and support populations through what comes next.
Explore Partner SolutionsTalk With Our Partner Team