In 1999, several alarming statistics were revealed about the financial security of the average wage earner's family, following the death of the primary wage earner.( The information summarized was gathered from sources such as The National Underwriter and Life Insurance Selling. )

The general results: (These are summaries and not direct quotations)

Voluntary life from employer plans is the sole life insurance for many families; coverage provided rarely offers more than one times annual salary

Widows at many income levels are often forced into poverty following the death of an under insured primary wage earner

Many of the homeless women and children today are the results of poverty following a death in the family

How can employees have the opportunity to protect their families?

Voluntary Life ...

Voluntary life provides many advantages:

Low cost

Liberal to Guaranteed Issue Underwriting

May cover family members at low cost

Portable

Higher death benefits than other plans

Does not compete with 401(k) plan

Easy to understand

Appeals to all employees

No complicated sales presentations

The OneChek System provides voluntary life to employers from two (2) employees to groups with thousands of employees. Employers are not required to contribute premiums.

Voluntary life may be offered with death benefits tailored to the needs of each family. Issued on either a guaranteed issue or a simplified issue basis.

Please contact us for details about voluntary life.