Voluntary Benefits

M Partners has a robust and diverse catalog of group insurance products available to businesses with as few as 100 employees.

Our voluntary benefits packages are guaranteed-issue and are customizable for large accounts.

We pride ourselves on our consistency in plans, rates, and benefits and our ability to do group product replacements.


Short-Term Disability
Short-term disability insurance covers the first brief period in which your employee is unable to work, whether it is a few weeks or a few months. Short-term disability insurance is a more affordable voluntary insurance offering that does not overlap with long-term disability insurance. Short-term disability insurance is also typically offered through employers, so most qualified employees will seek this benefit.

Long-Term Disability
Long-term disability insurance is a must for your employees, as one in four employees will face a long-term disability at some point in their work career. Long-term disability insurance will kick in once short-term disability insurance ends and help to protect employees for months or years after they are initially unable to work.


Accident insurance is a complement to short-term and long-term disability insurance and health insurance. Accident insurance supplements both types of insurance and can provide an additional safety net if an accident occurs. Employee accidents are often sudden and financially traumatic, and offering accident insurance can encourage your employees to protect themselves and their families.

Critical Illness
A saddening 62% of all personal bankruptcies occur as the result of critical illness. 78% of those were on behalf of individuals who had comprehensive health insurance. Critical illness insurance guards your employees against disaster and covers far beyond what traditional health insurance covers, including lost income, the cost of home health care, and daily living expenses. Critical illness insurance is an essential part of every business’s voluntary benefits package offerings.

Hospital Confinement Indemnity
Hospital confinement indemnity insurance helps your employees to offset the financial burden of a hospital stay with or without additional comprehensive medical insurance. Hospital confinement insurance protects your employee and their family from potentially devastating hospital stay bills.

Life Insurance

M Partners works with trustworthy and time-tested life insurance providers to offer your employees diverse and customizable whole, term, and universal life insurance products.

Whole life insurance, one type of permanent life insurance, provides employees with stable rates for their entire lives and a potential return on the cash value within their policy.

Term life insurance gives your employees the greatest amount of coverage possible for the most affordable price. Term life insurance provides protection for a period of time (10, 15, 20, or 30 years), chosen by your employee, to meet their needs.

Universal life insurance, another type of permanent life insurance, combines the peace of mind you and your employees need with the flexibility that they desire. Unlike whole life insurance, universal life insurance allows for the adjustment of premiums and coverage amounts to meet the current and future needs of your employees.

Other Benefits

Voluntary dental insurance is a particularly valuable benefit, as many medical insurance plans do not cover any dental procedures. Voluntary dental insurance for your employees will reduce the cost of their treatment and ensure that they have a healthy smile for years to come. Preventative care is essential in preventing future problems and steep dental bills.

Long-Term Care
Long-term care insurance guards your employees and their assets in the event that they need to be admitted to a long-term care facility, like a nursing home or assisted living facility. Long-term care planning is important at any stage of your career but can be a particularly appealing voluntary benefit to those in the middle or near the end of their careers.

Pet Insurance
You value your employees, and they value their four-legged friends. Offering pet insurance with our voluntary benefits company will protect employees against surprise vet costs if their pets become ill or injured.

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