01
Health benefits
Explore health benefit options that help employees access the care and support they need.
Group benefits
Benefits that support your whole team.
Build a more meaningful benefits package with health benefits, life insurance, and supplemental coverage designed to support employees and their families.
Request a group benefits quote
Group benefits guidance
A practical benefits package with lasting value.
St Florence Financial Group helps employers explore health benefits, voluntary whole life and term life insurance, and supplemental coverage that can fit their organization, budget, and people. We make it easier to offer valuable protection without adding unnecessary complexity.
Group benefits built around your people
02
Life insurance
Offer voluntary whole life and term life coverage that helps employees protect the people they love.
03
Supplemental coverage
Round out your benefits package with supplemental coverage options that can provide added financial protection.
For the employer
A valuable benefit without added complexity.
Strengthen retention and recruitment
Add a valuable employee benefit with no cost to the company to help support staff recruitment and retention.
Simple setup and enrollment
Provide an employee census and we take care of the rest, including initial and annual enrollment processes.
Minimal workday disruption
There is no interruption during work hours. Employees can complete a ten-minute enrollment outside work hours, online or with assistance from our staff.
Employee benefits
Voluntary whole life coverage that can stay with your employees.
Whole life and term life options can give employees meaningful protection with features designed for long-term confidence.
Guaranteed issue coverage
Employees ages 18–75 can choose up to $100,000 of guaranteed issue coverage and cannot be turned down due to health concerns. An additional $250,000 may be available through express issue with a simple five-question application and no medical exam.
Stable premiums and group rates
Premiums will never increase. Employees receive group unisex rates regardless of health, with smoker and non-smoker rates available.
Lifetime value
The death benefit is guaranteed to remain level or increase for life, and cash value is guaranteed to increase annually.
Potential dividends
While not guaranteed, dividends have been paid every year since 1869 and are in addition to cash value.
Portable protection
After termination of employment, the program can continue for life.
Living benefits
Employees may receive an advance or accelerated payment of a portion of the death benefit if diagnosed with a terminal or chronic illness. There is no cost to the employee for this rider.
A clearer process
Start with a conversation.
01
Share your goals
Tell us about your team, priorities, and the kind of support you want to provide.
02
Review your options
We will help you understand available health, life insurance, and supplemental coverage approaches.
03
Move forward confidently
Choose a path that feels right for your organization and your people.
Group benefits quote
Ready to explore group benefits?
Request a quote and start a conversation with St Florence Financial Group.
Clear guidance, no pressure.