Individual Products

Benefits Plus Advisors Group has a robust and diverse catalog of individual insurance products available to businesses of any size, including those with fewer than 100 employees. Our voluntary benefits packages are guaranteed-renewable and, in some cases, guaranteed-issued. Our individual voluntary insurance products are fully portable so that employees can take their benefits with them throughout every stage of their career. We pride ourselves on our consistency in plans, rates, and benefits and our optional rider packages. If your business has more than 100 employees and you would like to benefit from more competitive rates when offering voluntary benefits to your employees, Benefits Plus Advisors Group also offers group insurance products. Each employee who enrolls in individual voluntary insurance will get to experience The Benefits Plus Difference and see the convenience and affordability of great benefits.

Benefits Plus Advisors Group offers a comprehensive range of individual insurance products.

Short-Term Disability

Short-term disability insurance covers the first brief period in which your employee is unable to work, whether it is a few weeks or a few months. Short-term disability insurance is a more affordable voluntary insurance offering that does not overlap with long-term disability insurance. Short-term disability insurance is also typically offered through employers, so most qualified employees will seek this benefit.

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Long-Term Disability

Long-term disability insurance is a must for your employees, as one in four employees will face a long-term disability at some point in their work career. Long-term disability insurance will kick in once short-term disability insurance ends and help to protect employees for months or years after they are initially unable to work.

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Get In Touch

If you’d like additional information about The Benefits Plus Advisors Group and how we can customize a benefits portfolio for you, please contact us.

  • Guaranteed-renewable

  • Guaranteed-issued options

  • Fully (100%) Portable

  • Historical Rate Stability

  • Optional Riders

The Office

4401 Westown Parkway, Suite 350
West Des Moines, IA 50266

Tel: 515-400-1011

Monday-Friday 9am-5pm


Accident insurance is a complement to short-term and long-term disability insurance and health insurance. Accident insurance supplements both types of insurance and can provide an additional safety net if an accident occurs. Employee accidents are often sudden and financially traumatic, and offering accident insurance can encourage your employees to protect themselves and their families.

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Critical Illness

A saddening 62% of all personal bankruptcies occur as the result of critical illness. 78% of those were on behalf of individuals who had comprehensive health insurance. Critical illness insurance guards your employees against disaster and covers far beyond what traditional health insurance covers, including lost income, the cost of home health care, and daily living expenses. Critical illness insurance is an essential part of every business’s voluntary benefits package offerings.

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Hospital Confinement Indemnity

Hospital confinement indemnity insurance helps your employees to offset the financial burden of a hospital stay with or without additional comprehensive medical insurance. Hospital confinement insurance protects your employee and their family from potentially devastating hospital stay bills.

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Life Insurance (Whole, Term, Universal)

Benefits Plus Advisors Group works with trustworthy and time-tested life insurance providers to offer your employees diverse and customizable whole, term, and universal life insurance products.


Whole life insurance, one type of permanent life insurance, provides employees with stable rates for their entire lives and a potential return on the cash value within their policy.


Term life insurance gives your employees the greatest amount of coverage possible for the most affordable price. Term life insurance provides protection for a period of time (10, 15, 20, or 30 years), chosen by your employee, to meet their needs.


Universal life insurance, another type of permanent life insurance, combines the peace of mind you and your employees need with the flexibility that they desire. Unlike whole life insurance, universal life insurance allows for the adjustment of premiums and coverage amounts to meet the current and future needs of your employees.

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Cancer and specified disease voluntary insurance products offer employees additional coverage in the event of a devastating illness. While comprehensive health insurance offers a set amount of assistance with cancer and medical bills, it will not cover the cost of your non-medical expenses. Specified disease insurance can cover over 20 additional illnesses include multiple sclerosis, polio, and smallpox.

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Vision insurance is a very affordable and practical individual voluntary insurance benefit. Vision insurance is a must for those with eye care expenses and those who are particularly at risk for eye issues, including those with Diabetes and those with a family history of eye problems.

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Voluntary dental insurance is a particularly valuable benefit, as many medical insurance plans do not cover any dental procedures. Voluntary dental insurance for your employees will reduce the cost of their treatment and ensure that they have a healthy smile for years to come. Preventative care is essential in preventing future problems and steep dental bills.

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Long-Term Care

Long-term care insurance guards your employees and their assets in the event that they need to be admitted to a long-term care facility, like a nursing home or assisted living facility. Long-term care planning is important at any stage of your career but can be a particularly appealing voluntary benefit to those in the middle or near the end of their careers.

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Pet Insurance

You value your employees, and they value their four-legged friends. Offering pet insurance with our voluntary benefits company will protect employees against surprise vet costs if their pets become ill or injured.


Legal insurance offsets the cost of working with a skilled lawyer for your legal issues, much like vision insurance offsets the cost of receiving an eye exam from an ophthalmologist. Legal insurance can guard you against the financial strain that ongoing or surprise legal issues can cause.

Identity Theft Protection

Living and working in the modern world means living and working around potential identity thieves every day online. Identity theft protection insurance provides you with security against identity theft and the cost of repairing your credit history in the event that your identity is stolen. Identity theft protection insurance is a must for everyone to protect against the major credit losses you could spend years recovering from otherwise.

Individual Voluntary Insurance Products from Benefits Plus Advisors Group

Benefits Plus Advisors Group is a dynamic, experienced voluntary benefit agency with comprehensive insurance solutions to meet the needs of your business. We want to help you attract and retain quality employees with diverse supplementary insurance and voluntary insurance benefit packages. We work with businesses throughout the country as a voluntary benefits consulting firm, but also work with our surrounding communities in Iowa. To build our partnership today and learn more about our consultative solutions, please contact us.