Included
$10,000 life & AD&D
A base life and accidental death policy, provided at no cost to the business or to employees.
$10,000
Included amount
Preferred broker concessions
Benefits your employer can offer without paying for them.
NP Benefit Services provides programs that cost the business nothing, plus voluntary Colonial Life coverage that is guaranteed issue on this enrollment — including a waiver of pre-existing conditions.
Employer choice
Employee-paid, or the employer can contribute.
Voluntary benefits can be 100% employee-paid. The employer can also put money toward certain plans. That choice is theirs.
Included at no cost
Section 125 POP plan
A premium-only plan is included free if the employer does not already have one. It lets eligible benefits be paid pre-tax, which can reduce the employer’s payroll taxes.
What should we focus on?
Narrows the programs below.
12 of 12 shown
At no cost
Provided to clients without a bill to the business or to employees.
Included
LawAssure
Wills, powers of attorney, healthcare directives, and trusts, prepared from a short set of questions.
No cost
To you
Included
KOFE
Financial education and credit counseling from Consolidated Credit, without adding to the employer’s budget.
No cost
To the employer
Included
WellCard Savings
A discount card for care, prescriptions, vision, hearing, and labs. This is not insurance.
Household
One card
Included
Tuned hearing
Hearing care from prevention through treatment, complimentary the first year for qualifying groups.
Year 1
Complimentary
Included
Session raffle
Entry into a company raffle for a large HDTV smart TV, just for sitting and learning.
1 entry
For attending
Supplement
Voluntary coverage. Pre-existing conditions are waived on this enrollment.
Every voluntary benefit on the sheet is guaranteed issue, with pre-existing conditions waived. That is this enrollment’s offer — not a promise that every future case is written the same way.
Voluntary
Accident
Cash toward out-of-pocket costs when you are injured in an accident — copays, deductibles, and similar bills.
GI
This enrollment
Voluntary
Disability
Paycheck protection if an injury or illness keeps you from earning your full income.
$4,000
Monthly, guaranteed issue
The sheet says it can help protect up to 90% of income, guaranteed issue up to $4,000 a month, with pre-existing conditions waived. It also covers time off for pregnancies.
- Up to 90% of income, as described on the sheet
- Guaranteed issue up to $4,000 monthly
- Pre-existing conditions waived for this offer
- Covers time off for pregnancies
Voluntary
Critical illness with cancer
A lump-sum cash payment after a covered critical illness or cancer diagnosis.
$35,000
Guaranteed issue up to
Voluntary
Term life
Extra term life, separate from the included $10,000 policy, if your family needs more than the base amount.
$100,000
Guaranteed issue up to
Voluntary
Whole life
Permanent life insurance, also guaranteed issue for this enrollment, with amounts that change by age.
$200,000
Ages 18–50, up to
Voluntary
Dental and vision
Two plans. Both include vision. One is a PPO so you can see a dentist in or out of network.
0%
Group participation required
Contact
Talk with NP Benefit Services
Call about the 2026 concessions for a group. Nelson Pillow answers this line.