Who We Are

The Voluntary Benefits at Work team has over 40 years of combined experience in the worksite benefit solutions industry

that is built on integrity, service and excellence. Voluntary Benefits at Work develops, implements, and supports innovative

worksite benefit solutions for organizations of various sizes located throughout the United States and even Fortune 500

companies.

We combine our consultative expertise, purchasing power, administrative support, proven methodologies, and technology

to benefit brokers and clients by maximizing the value of their voluntary benefits programs while minimizing the client’s

administrative overhead.

What We Offer

Permanent NO MEDICAL QUESTIONS Life Insurance Policy with Living Benefits for Long Term Care

In 2016, LIMRA reported there was a significant decline in life insurance coverage adequacy for U.S. households. In 2010,

those insured had coverage to replace their income for 3.5 years. Today that has dropped to 3 years, which is far lower

than most industry recommendations. In addition to this shocking realization, the U.S. Bureau of Census estimates that by

2060 as many as 24 million people will need long term care (LTC) services.

In response to the inadequacy of coverage for American households, VBW is offering MISBO member schools access to

Transamerica’s TransElite Permanent Universal Life Insurance product and exclusive underwriting through our firm. This

affordable insurance plan uniquely incorporates the needs for both permanent life insurance and LTC for all its

policyholders.

TransElite offers employees the following:

• Guaranteed issue Life Insurance (no medical questions) for all employees. Up to $150,000 Life/$300,000 LTC and

simplified issue for policies up to $500,000 Life/$1,000,000 LTC

• Coverage available for Employee, Spouse, Children and Grandchildren independently

• Protection for life insurance and LTC benefits in one policy

• 100% portability if an employee leaves a group for any reason

• Payroll-deducted premiums

Approach to Schools

VBW has licensed agents throughout the country that will be happy to meet with you and your staff to administer this great

new product from Transamerica.

For all schools who are interested in offering TransElite to their staff and employees, our office is proud of our ability to

provide stellar, personalized customer service for each group. VBW will work with each school to establish their payroll

account, organize on-site and/or virtual information or enrollment sessions and any other needs that are expressed. For

on-site enrollments, we will have a benefits consultant or enroller visit the school to further explain TransElite, answer any

questions, and administer the enrollment if they choose to enroll. As an extension of our office, this person will remain as a

main point of contact for the group for as long as it is enrolled.