Stronger Benefits.
Smarter Business.
Give your team the coverage they deserve—at minimal cost and with full-service support from the Wye River Insurance team.
Why Voluntary Benefits Work for Everyone
Voluntary benefits give your team added protection, flexibility, and peace of mind, without increasing your overhead or your workload.
Automated Benefits
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Employees simply opt in and pay through payroll deductions.
Tax-Friendly Setup
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Many plans can be offered on a pre-tax basis to save your team money.
Higher
Education
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We walk employees through their options one-on-one, resulting in a 26% average increase in benefits participation.
Low Lift.
High Impact.
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We handle setup, education, and ongoing support—leaving no admin headaches for you.
Enhanced Recruitment & Retention
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Benefits are a powerful recruiting and retention tool, helping you stand out in the employment marketplace.
Invest in the unexpected
Protect their paycheck and their peace of mind.
These voluntary benefits provide income protection and financial relief during life’s toughest moments, so your employees can focus on healing.
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One diagnosis. One payment. This benefit offers $10,000–$30,000 upon diagnosis of a covered illness (like cancer, stroke, or heart attack).
Employees can use the payout however they need, covering treatment, travel, or simply staying afloat.
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More than a lump sum, this plan delivers financial support through every step of a cancer journey, from screenings and diagnosis to chemo, radiation, and travel.
Optional riders expand coverage to include stroke, heart attack, and kidney failure.
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A safety net for serious stays.
Hospital Indemnity Insurance covers the out-of-pocket costs that come with a hospital stay, including admission, daily confinement, ICU, and related expenses. Employees are paid directly, so they can focus on recovery, not the bill.
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This coverage offers fixed payouts for a broad range of treatments following a covered accident, including emergency room visits, urgent care, hospitalization, x-rays, physical therapy, follow-up care, ambulance services, and travel expenses.
It’s especially valuable for active lifestyles, adventurous individuals, or families with kids in sports.
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We offer term life insurance for essential, time-bound protection.
Designed for affordability and simplicity, term life coverage pays a guaranteed benefit to loved ones if your employee passes away during the selected term (10, 20, or 30 years), providing financial security when it’s needed most.
It’s an affordable way to protect income, cover debts, or fund future expenses, without long-term commitment.
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We specialize in whole life insurance.
Unlike term policies, whole life offers lifelong protection employees own and can take with them wherever they go. With a built-in long-term care rider, they can also access up to 75% of the face value if skilled care is ever needed.
Additional benefits:Zero underwriting
Cash accumulation like a savings account; employees can access the money when they need it
Premium and death benefit do not change levels through the life of the policy
Generally income tax-free death benefit
Tax-deferred cash-value growth
Whole life insurance is more than coverage—it’s a lasting financial asset.
Boost your health benefits.
Support everyday and every family member with simple, preventative care.
From annual checkups to corrective treatments, these benefits help your team stay healthy, focused, and ready for what’s next.
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Help employees see clearly and save more. Vision plans typically cover annual eye exams, prescription lenses, and allowances for glasses or contacts—plus discounts on LASIK and more.
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Smiles start here. Dental plans cover preventive cleanings, exams, X-rays, and may include basic to major services like fillings, crowns, or orthodontics, depending on your plan.
Extra Benefits
Create a culture of care.
These thoughtful add-ons show your team you value their whole lives, not just their work.
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Vet bills can add up fast. From exams and x-rays to blood work and surgeries.
Offering pet insurance gives your employees peace of mind, knowing they can care for their pets without financial strain.
It’s a simple way to reduce stress and support well-being at work and at home.
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Support your team no matter where they go.
This voluntary benefit provides peace of mind for employees traveling internationally for personal reasons, covering medical care, emergency support, and more.
It’s a powerful way to show your team you’ve got their back, even when they’re off the clock.
Group Benefits That Go the Extra Mile
Support your team with essential employer-paid benefits and count on Wye River Insurance to simplify every step.
For Your Employees
Health Insurance
Comprehensive coverage for preventive care, emergencies, and everything in between.
Long- & Short-Term Disability Insurance
Short- and long-term income protection for when life takes an unexpected turn.
Term & Whole Life Insurance
Offer your team financial protection that fits their stage of life, from budget-friendly term policies to whole life with long-term care options.
And for You
Ongoing Plan Review
We proactively review your benefits to optimize coverage, value, and cost-efficiency.
Full-Service Administration
From enrollment to compliance, we handle the details, so you can focus on your business.
Great teams deserve great coverage.
At Wye River Insurance, we make it easy to offer high-impact voluntary benefits that work just as hard as your team does.
With flexible coverage options, simplified enrollment, and expert support at every step, you can attract, retain, and reward great people without adding to your workload or bottom line.
Frequently Asked Questions
Don’t see your question? Reach out to our team for a simple, jargon-free response.
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Most voluntary benefit plans require 10 eligible employees to start.
We’ll help you understand carrier-specific minimums and guide you to the right fit for your team size. Get started today!
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In many cases, yes. While eligibility varies by provider, we work with carriers that allow flexibility in coverage options for part-time staff, 1099 contractors, and remote workers. We’ll help you customize a plan that matches your team’s makeup—all you need to do is ask!
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We handle the entire enrollment process, so your team feels informed and your HR department isn’t overwhelmed. Just say the word.
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Most voluntary benefits are available at group rates and paid through convenient payroll deductions—with many under $8 per paycheck.
Many are also eligible for pre-tax savings, helping employees stretch their dollars while getting meaningful protection. Get your tailored quote here.
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That’s what we’re here for! Voluntary benefits are designed to supplement what you already offer. We’ll conduct a quick gap analysis to show where these perks can strengthen your current package without disrupting what’s already working. Put us to work here.
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Not always. While open enrollment is the most common time to launch or update voluntary benefits, many plans can be introduced off-cycle—especially if you’re implementing them for the first time or offering them separately from your core health benefits.
We’ll help you navigate timing, carrier guidelines, and communication strategies to make rollout smooth and successful. Click here to get started.
Your team deserves more than a checkbox.
Build a benefits package that reflects your values and truly supports the people behind your business.
Our conversations start with questions, not quotes.
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Use the form below to tell us a bit about yourself. A member of our purposeful, passionate team will reach out soon.