Products
    •Group Medical Insurance
    •Group Dental & Vision Insurance
    •Group Life Insurance
    •Accidental death & Dismemberment
    •Group Disability

Voluntary Benefits
    • Technology- based employer sponsored Benefits.
    • Communication, enrollment and customer service.
    • Payroll deducted at worksite with no direct cost to employer.
    • Offered through Colonial Life & Accident Insurance Company,
       a UnumProvident Subsidiary.

Retirement Plans
    • 401k, 403b, Simple Plans.
    • Section 125 Premium Only Plans
    • Offered without charge to clients for Employee Paid Portion of
       Premiums.

Flexible Spending Accounts
    • Unreimbursed Medical and Dependent Care Expenses.
    • Special Products for Schools including Student Accident and
       Sickness, Sports Accident Insurance for Athletic Participants
       and Accident Insurance for Camps.

Services
    •Systematic Value-Added Fact-Finding, Needs Analysis, Setting
      Objectives, Implementation and Follow-Through Service for
      every client.
    •Laptop Benefits Communication and Enrollment for Voluntary
      Products through Colonial Life and Accident.
    •Customized Presentations for Employers and Employees.
    •Broad Geographical Reach for Multi-State Employers.
    •Strong Network of Carriers for Specialized Situations.
    •Dedicated Local Staff of Trained Agents and Enrollers.
    •Creative Plan Design and Coordination for Owners,
      Comptrollers, Human Resource Directors, Financial Officers and
      Office Managers.
    •Design, Coordinate and Implement Benefits Fairs for Large
      Employers at Their Site.
    •Conduct Employee Enrollment Meetings.
    •Coordinate Referral to Other IFS Products and Services in the
      Property, Casualty and Financial Services Areas.