Extra protection, your choice
Voluntary Insurance Products & Benefits
Health insurance handles the hospital bill. Voluntary benefits handle everything else — the deductible, the mortgage while you recover, the dental work Medicare won't touch. Optional, affordable, and entirely your call.
"Voluntary" just means nobody enrolls you automatically — you look at the options and pick what fits. Employers often add these to enrich a benefits package at little cost to the company, but you don't need an employer at all. As an independent agency, we compare voluntary products from multiple carriers for individuals, families, and Idaho businesses, the same no-pressure way we compare everything else.
The lineup
Which Voluntary Products Do We Offer?
Seven ways to fill a gap — each explained in plain English.
Life Insurance
A tax-free payout to the people who depend on you if you pass away. Term policies keep it simple and affordable; whole life builds value over time. Often the first voluntary benefit worth adding.
Explore life insurance →Cancer Insurance
Pays cash benefits directly to you after a cancer diagnosis. Use the money however you need — travel to treatment, lost wages, or the deductible your health plan leaves behind.
Accident Insurance
Broken arm, ER visit, stitches — accident coverage pays a set cash amount for covered injuries. It's especially popular with active families and folks with high-deductible health plans.
Short-Term Disability Income
Replaces part of your paycheck when illness or injury keeps you out of work for weeks or months. Because the bills don't take sick leave, even when you do.
Explore disability coverage →Critical Illness Coverage
A lump-sum cash payment if you're diagnosed with a covered condition like a heart attack or stroke. One check, paid to you, to spend where it helps most while you focus on recovering.
Limited Medical Benefit Plans
Fixed-benefit plans that pay set amounts toward doctor visits, labs, and hospital stays. They're not a replacement for major medical coverage, but they can soften everyday costs on a tight budget.
Dental, Vision & Hearing
Cleanings, glasses, and hearing aids — the three things people miss most from their core coverage, especially on Medicare. One plan can bundle all three.
Explore DVH plans →Not Sure Which Fits?
That's literally our job. We'll compare the options against your budget and your gaps — no cost, no pressure, no obligation.
Ask us anything →Who Are Voluntary Benefits a Good Fit For?
Voluntary benefits fit anyone whose core coverage leaves a gap they'd rather not pay out of pocket. In practice, that's most often employees with group plans, self-employed people building their own safety net, and employers who want a richer benefits package without a big budget line.
- Employees with a group health plan — filling the gaps a high deductible leaves behind
- Self-employed Idahoans — building the safety net no employer is building for you
- Families on a budget — cash benefits that keep one bad month from becoming a bad year
- Employer groups — adding real value to a benefits package, often at little or no cost to the company
How Do You Pay for Voluntary Benefits?
Two simple options. If the coverage comes through your workplace, premiums usually come out of your paycheck automatically through payroll deduction — easy to budget, hard to forget. If you buy as an individual, you pay the carrier directly, monthly or annually. Either way, the coverage is yours, and enrolling is always your choice — that's the "voluntary" part.
Voluntary Benefits FAQ
What are voluntary insurance products?
Voluntary benefits can be any type of additional benefit added to your benefit options — optional policies like life, cancer, accident, short-term disability, critical illness, limited medical, or dental-vision-hearing coverage that you choose to add on top of your core health insurance. They're available to individuals and to employer groups. Our licensed agents at Personal Touch compare the plans and enroll you at no cost. Call or text 208-350-9933.
Do I need to work for a company that offers voluntary benefits?
No. While many people first meet voluntary benefits through an employer's open enrollment, most of these products can also be purchased individually. Self-employed Idahoans and people whose employers don't offer them can buy directly through an independent agent. Our licensed agents at Personal Touch compare this for you at no cost. Call or text 208-350-9933.
How do I pay for voluntary benefits?
Two ways: through payroll deduction if the coverage is offered at your workplace, or by paying the carrier directly if you buy as an individual. Either way, you own the decision to enroll — that's what makes it voluntary. Our licensed agents at Personal Touch compare this for you at no cost. Call or text 208-350-9933.
Do voluntary benefits replace my health insurance?
No. Most voluntary products pay cash benefits directly to you alongside your health insurance — they help with deductibles, lost income, and everyday bills while your major medical plan handles the medical bills. Limited medical benefit plans in particular are not a substitute for comprehensive coverage. Our licensed agents at Personal Touch compare this for you at no cost. Call or text 208-350-9933.
How do I know which voluntary benefits I actually need?
Start with your gaps: your deductible, your income if you couldn't work, and your family health history. Then compare. We walk through the options with you at no cost and no obligation — call 208-350-9933, or browse more answers on our FAQ page.
Product availability, benefits, and premiums vary by carrier and plan. All guarantees are backed by the financial strength and claims-paying ability of the issuing carrier.
Let's Find Your Gaps — Before Life Does
One phone call, a handful of honest comparisons, and you'll know exactly which voluntary benefits earn their premium — and which ones you can skip.
Last updated