Hassle Free Administration We work with thousands of employers. Our local sales offices are in charge of initial setup so you never pay a set-up fee. No Administrative Fees There are no federal or state forms to file. The insurance company administrates all business in-house. There is never an administrative fee charged to you. No Mandatory Employer Contributions Unlike traditional group benefits, there are no participation requirements or mandatory employer funding requirements on our voluntary benefit products. Your employees choose the benefits they need and conveniently pay for them out of their paycheck. No In-house Administration or Time Consuming Claim Forms Our local service offices are fully staffed to take care of your entire employee servicing needs.