Who We Are
At Voluntary Benefits at Work, we bring over 40 years of combined experience in the worksite benefits industry, built on a foundation of integrity, service, and excellence. We design, implement, and support innovative benefit solutions for organizations of all sizes across the United States—including Fortune 500 companies.
By leveraging our consultative expertise, carrier partnerships, administrative support, and proven technology, we help brokers and employers maximize the value of their voluntary benefits programs while reducing administrative burden.
Long Term-Care Statistics
· Someone turning age 65 today has almost a 70% chance of needing some type of long-term care in their remaining years.
· The average person requires three years of long-term care services, while 20% require five years or more.
· Only 17% of Americans have long term-care coverage as of 2024
What We Offer
Permanent Life Insurance with NO MEDICAL QUESTIONS and Living Benefits for Long-Term Care. To address these growing needs, VBW offers MISBO member schools’ exclusive access to Transamerica’s TransElite Permanent Universal Life Insurance—with guaranteed issue, no medical questions required. This affordable solution provides lifelong coverage while also including living benefits for LTC, giving families both financial protection and the flexibility to manage future care. Yes, Membership really does have its privileges.
TransElite Offers Employees:
· Guaranteed issue life insurance (no medical questions) up to $150,000 Life / $300,000 LTC
· Simplified issue available for larger policies—up to $500,000 Life / $1,000,000 LTC
· Coverage for employees, spouses, children, and even grandchildren—independent of each other
· Combined protection: Life insurance and LTC benefits in one policy
· 100% portable coverage stays with the employee, even if they leave the group
· Convenient payroll-deducted premiums
Our Approach to Schools
VBW partners with schools nationwide to make offering TransElite simple and seamless. Our licensed agents are available to meet with you and your staff—virtually or on-site—to introduce this program and guide employees through their options.
We provide:
· Support in setting up payroll accounts
· Customized digital flyers with product information, videos, and scheduling links
· Virtual or on-site enrollment sessions tailored to your school’s needs
· Dedicated benefits consultants who remain your group’s point of contact long after enrollment
At VBW, we’re committed to delivering personalized service and ongoing support, so your staff has the protection they need with a process that’s simple, convenient, and stress-free.