Personalized AD&D Insurance Consultations

One of the ways our agency stands out is through our customized, no-obligation consultations. We take the time to get to know our clients and assess their liabilities before we offer any of our products.

We’ll listen to your financial responsibilities and calculate the needs of your family should an unforeseen accident prevent you from providing an income. Drawing from our in-depth industry knowledge and our long-standing insurance provider connections, we’ll supply you with a plethora of affordable options, and help you narrow down your choices one by one.

Different policies have different terms. If you’re not familiar with accident insurance and its varying definitions, you’ll appreciate the thorough policy explanations that our agents provide. We take the complicated fine print and explain it to our clients in clear terms. With us, you don’t have to worry about unclear exclusions and confusing clauses. We’ll explain everything you need to know about your plan so that you can make an educated decision in full confidence.

Dufault Insurance Agency’s AD&D Claims Assistance and More

As a full-service insurance company, our assistance doesn’t end after the point of sale. We are at your disposal for all your insurance-related needs. Our phone lines are always open. We’ll gladly assist you with any of the following, hassle-free:

• Insurance claims assistance
• Policy upgrades
• Policy renewals
• Policy cancellations
• And more!

No matter what, our customer support team is second to none. You can contact us with any questions or concerns you may have.

Affordable Accidental Death Insurance

Since our inception, we’ve been changing the industry policy by policy and client after client. Not only are our accidental insurance rates competitive, but we’re continually finding ways to personalize insurance plans and drive down costs even more. We’ll help you secure what you need protected—no more and no less. The result is that our clients pay less across the board.

Life and Accidental Death and Dismemberment Insurance

Ensure your employees are protected.

Life and accidental death and dismemberment insurance to help cover your employees.

Some employees may want coverage that goes beyond life insurance or workers' compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.

Insurance that pays lost income to employee's financial dependents.

Paying for life insurance for your employees is a valuable benefit that can be a big selling point when recruiting staff. Life and accidental death and dismemberment insurance is designed to pay out to the employee's financial dependents to make up some of the lost income if the employee dies. Depending on the policy, the coverage could last for a limited period, until the employee reaches retirement age, or until they die, regardless of when that is.

Variation of life insurance that kicks in upon accidental death.

Accidental death and dismemberment insurance is a variation on life insurance, but it only pays out if the death is from an accident (or in some cases a homicide). It usually only pays out if the death happens while premiums are still being paid (similar to term life insurance).

Includes payouts for loss of vision, hearing, speech, and limbs.

The plan pays out a smaller amount if the covered person loses their vision, hearing, speech, or limbs in an accident. Accidental death and dismemberment insurance can be a policy on its own, or it can be added on top of the normal life insurance payout.

Coverage that is required for a majority of employers.

Neither of these policies are a substitute for workers' compensation insurance. This is mandatory for most employers, and while it only covers injuries or deaths at work, it does pay out for medical bills, some lost income, and death benefits.

If you're interested in learning more about life and accidental death and dismemberment insurance, we encourage you to reach out to our employee benefits experts. We can help you to determine if it is a good fit for your business.

Group Health Insurance

Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.

Solution

Regardless of the company's financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn't have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance

Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.

Solution

A group life insurance plan can put your employees' minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Disability

Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

Solution

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don't.

Group Dental Coverage

Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.

Solution

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees' health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage

Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

Solution

Offering vision care coverage is a very affordable component to offering health benefits. It's an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage

Risk Factor

Not being able to meet an employee's individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.

Solution

Offering voluntary coverage lets your employees choose benefits that are important to them. It's a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

• Critical illness, hospital indemnity, and cancer coverage.
• Life, dependent life, short-term, and long-term disability coverage.
• Dental care.
• Vision care.

Compliance Audits

Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

Solution

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.