Life and Disability Insurance for Michigan Businesses

Your team’s financial security doesn’t have to be expensive or complicated; it should simply make sense and reflect your values. The Ralph Wilson Agency offers so many ways to customize your coverage options.

Life Insurance

Employer sponsored life insurance is an excellent way to attract and retain top talent while significantly benefiting your valued employees. And, as one of the most affordable benefits you can offer your employees, it’s a small investment with a big payoff. Also, by adding a life insurance benefit to your company’s offerings, you send the message that your employees and their families are cared for and trusted.

Ralph Wilson Agency offers life insurance coverage from top providers to help your company meet its employee benefits goals. We can support your group life insurance policy and particular policies for your directors, officers, and other key people. 

Our offerings include: 

• Term 
• Variable 
• Universal
• Permanent
• Accidental Death and Dismemberment (AD&D)

Disability Insurance 

Disability insurance can be a great benefit to offer your employees. It provides them with income if they cannot work due to injury or illness. Disability insurance can be critical for someone who faces the financial challenges that often accompany severe injury or disease.

Disability insurance can help attract and retain talented employees as part of a comprehensive employee benefits program. Satisfied employees will also refer family and friends to your organization because of great benefits programs. 

As an employer, you have the option of purchasing one or more of the following types of disability insurance for your employees:

Short-Term Disability Insurance 

Short-term disability insurance (STD) is a benefit that provides income when you are unable to work due to a work-related injury or illness. STD can bridge the gap until you can return to work. 

Long-Term Disability Insurance 

Long-term disability (LTD) insurance provides income replacement benefits for a more extended period. Employees or employers, or both pay for LTD. LTD is often a combination of STD and LTD coverage.

Voluntary or Supplemental Disability Insurance

Voluntary or Supplemental Disability Insurance is an optional benefit the employee purchases individually. The employee pays for the policy and receives coverage even if she is not eligible for group coverage.

Why Ralph Wilson Agency? 

We are an expert at life and disability insurance who can help you purchase insurance on its own or as part of an employee benefits plan. Ralph Wilson represents top insurance providers to find the optimal program for your workers. We’ll help you find an excellent policy for your organization in Michigan and beyond.