Once you are ready to sit down with a Voluntary Benefits agent you need to understand the types of policies that may be available and how they might fit your needs. Disability – This is the easiest Voluntary Benefits policy for most people to understand. Disability pays the policyholder if they are unable to work due to an accident or illness. Most financial planners recommend that their clients protect their most important asset; their ability to earn an income.  Accident – The most popular Voluntary Benefits policy for many insurance companies is their accident plan. These programs usually cover everything from cuts that need stitches to major accidents needing an air ambulance, and everything in between. The benefits are tied directly to the seriousness of the accident. Critical Illness – These policies are very customizable based upon the client’s needs. The customer can purchase a policy that covers just one type of critical illness such as cancer. There are also critical illness policies that cover multiple serious issues such as cancer, heart attack, stroke, paralysis and other conditions. Life Insurance – LIMRA, which is a worldwide research organization that for 102 years has kept a pulse on the Life Insurance market, published a   Read more…