Individuals & families
Life changes often create new coverage needs, and they aren't a requirement to work with us. Whether something is changing or you already know which insurance coverage you need, Benefits Beyond Work helps you and your family understand your options and find solutions for what comes next.
Start here
You don't need to know which coverage you need. Choose the situation that's closest to yours.
Already know what you need?
You don’t need to start with a life change. Explore five personal-insurance families, then use the separate Medicare experience when eligibility or enrollment timing is the question.
Coverage for your health and everyday care.
Medicare
Medicare is supported through its own dedicated guidance and coverage experience because eligibility and enrollment rules differ from other health coverage.
Explore MedicareCoverage designed to help protect income, finances, and family against the financial consequences of illness, injury, care needs, disability, and death.
Availability, eligibility, and policy terms vary by carrier and state, and any new coverage is subject to underwriting.
Explore ProtectionInsurance solutions designed to help protect income and prepare for retirement.
These are insurance-based solutions. Investment, securities, tax, and legal matters belong with the appropriately qualified professionals.
Explore RetirementCoverage for the home, vehicles, and personal risks your household depends on.
Subject to product and carrier availability, which varies by state and situation.
Explore Property & LifestyleHelp protecting what you’ve built, preparing what you want to leave behind, and making things easier for the people who matter.
Beneficiary preparedness
Through our sister company, Beneficiary ProActive™, Benefits Beyond Work can provide access to beneficiary designation management and preparedness capabilities designed to help households organize and maintain important beneficiary information.
Beneficiary review and beneficiary support are services, not insurance products.
Explore LegacyHousehold approach
Workplace benefits are built around eligibility. Life changes happen across households. A benefit change affecting one person — one spouse retiring while another stays employed, a dependent losing eligibility, a job change creating a temporary coverage gap — may also affect coverage, protection, or other needs elsewhere at home. We look beyond the individual change to understand who else in the household may be affected and what may need attention.
One transition. Different household considerations.
Medicare
May require attention where the person is eligible
Healthcare
May require attention where someone at home needs coverage of their own
Retirement
Income considerations may be relevant, depending on the situation
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.
From Work to Home
Start with what you already have.
Personal insurance isn’t always the first answer. From Work to Home helps people with workplace benefits understand their benefit portfolio — not just healthcare — identify opportunities to make better use of what’s already available, and determine whether personal or household gaps remain.
Understand the benefits and protection already available through work — which may include healthcare, life insurance, disability, accident, critical illness, hospital indemnity, or other workplace and voluntary benefits.
Consider appropriate workplace options first, and identify coverage that may remain in place, continue, or potentially be portable or convertible where applicable.
Look across the household for what's changing, ending, unavailable, insufficient, or no longer appropriate.
Consider personal insurance solutions where appropriate for any remaining needs.
Sometimes the right solution is already available through work.
Your point of contact
Insurance decisions rarely happen in isolation.
A Financial Relationship Manager provides a consistent point of contact as relevant insurance and benefit needs are identified and addressed. Not a product specialist assigned to one transaction — the same person who helps you understand what's changing and helps coordinate appropriate next steps.
Start with the actual event — a retirement date, a job change, an age-based eligibility milestone, an illness or injury — and what it affects.
Review coverage and resources already available through work, a spouse's plan, or existing policies before anything new is discussed.
Look across the people who depend on those benefits, not only the person whose situation changed.
Separate what has a deadline from what can wait, so the urgent decisions get made on time.
Bring in the appropriate licensed expertise or insurance solution when one is genuinely needed.
Stay the same point of contact as relevant insurance and benefit needs come up, rather than restarting the relationship with each change.
A Financial Relationship Manager is a relationship steward and coordinator. The role does not by itself make someone an investment adviser, financial planner, attorney, tax adviser, or estate-planning professional. When a need calls for one of those disciplines, the role is to help you get to the right professional — not to substitute for one.
Whether something is changing or you already know what coverage you need, we’ll start with your situation and help you understand what may need attention.