Give your team real benefits.
Zero cost to the company.
Add accident, hospital, critical-illness and more from a top-rated carrier. Employees choose and pay for what they want, guaranteed-issue with no medical questions. You add a benefit people actually use, save on payroll taxes, and don’t change a thing about your current plan.
Protection that pays cash, directly to your people.
Supplemental coverage that fills the gaps a medical plan leaves, paid as cash to the employee when an accident, illness, or hospital stay hits.
Accident
Cash for ER visits, fractures, dislocations and the costs a major-medical plan leaves behind.
Hospital Indemnity
A lump-sum payout for admissions and stays, money that arrives when the bills do.
Critical Illness & Cancer
A one-time benefit on a covered diagnosis, paid straight to the employee to use however they need.
Dental & Vision
Routine care your medical plan doesn’t cover, at group rates with no employer cost.
Term & Whole Life
Affordable, portable coverage employees can keep, guaranteed-issue up to set limits.
Short-Term Disability
Income protection that replaces a portion of pay while an employee recovers.
A benefit upgrade with no budget line.
Your employees pay, not you
Premiums are 100% employee-paid, so adding the entire suite costs the company nothing, no budget line, no approval fight.
You actually save on taxes
Pre-tax-eligible lines (accident, hospital, dental and more) run through Section 125, trimming your payroll taxes by about 7.65% on every participating dollar.
Zero friction to add
Guaranteed-issue with no medical questions, no census, and pre-existing conditions waived, and it bolts onto your current plan without switching your broker or your medical coverage.
We run the whole rollout
A dedicated team builds a co-branded benefits portal for your company, runs the education (video, text and email), and staffs a year-round call center that doubles as claims support, integrated with Employee Navigator and the payroll systems you already use.
Most people are one bad week away from a financial problem.
Terms most brokers can’t put on the table.
Through our Colonial Life partnership this isn’t a standard voluntary offer, it’s built for stability, not just signup.
5-year rate guarantee
Today’s rates hold across the whole suite for five years, no surprise increases at renewal.
Perpetual guaranteed issue
Every employee is approved with no medical questions, every year, not just at first enrollment, and pre-existing conditions are waived.
No participation minimums
Launch with a single enrollment. There’s no “we need X% to sign up” requirement to get it in place.
Rate-stable dental for life
Dental rates that don’t increase, ever, and bypass COBRA fees, so the coverage stays simple and predictable.
Already offer a medical plan? Make sure it’s working as hard as your team is. Get a free, two-minute grade on your benefits and where you may be overpaying.
Score your benefits →See your rates.
Fill this out and a Think advisor will send your rates and set up a no-pressure enrollment. No census, no broker switch.
A Think Insurance Group advisor will reach out within one business day with your rates and next steps. Prefer to talk now? Call 720-981-2788.