Our Products > Voluntary Worksite

At Boston Mutual, we understand the challenges today's employers and employees face when dealing with the increasing costs of traditional employee benefits. We are pleased to offer a broad selection of voluntary worksite insurance products designed to provide the insurance offerings that employees want and need while minimizing employer costs.

Very few insurance carriers have the experience Boston Mutual Life brings to the workplace. With over 30 years of specialization in voluntary worksite products, we've developed a wealth of expertise in working with talented insurance professionals and employers. This experience has allowed us to become a recognized leader in the worksite industry. Our efforts embrace the full spectrum of employer groups, both in terms of size and industry type. We have extensive expertise in the health care/hospital arena. In fact, our entire worksite portfolio is endorsed by the American Hospital Association (AHA). Boston Mutual, likewise, has a strong focus on the governmental, manufacturing and union sectors.

Product Highlights

Interest Sensitive Life Insurance (Policy Series END95 (ES0) (9/00))

• Traditional life insurance with cash value accumulation
• Generous guarantee issue amounts for all eligible employees
• Flexibility to cover the employee, spouse, children and grandchildren
• Premiums are guaranteed for the life of the policy
• Policy is portable should the employee leave his/her employer
• Optional Riders include Children's Term Rider,
• Accidental Death Benefit & Payor Waiver of Premium
• Tobacco/non-tobacco rates and blended rates available

Short Term and Long Term Disability Insurance (Policy Series GIDP499)

• Short-term and Long-term Disability benefit periods
• Off-the-job Disability coverage for accidents and sickness
• Multiple benefit elimination periods
• Waiver of premium
• Partial disability benefits
• Mental Illness benefit
• Alcohol and Drug benefit
• Guarantee issue available for qualifying groups

Accident Insurance (Policy Series WS-ACC 8/08)

• 24 hour (and off-the-job coverage options)
• Indemnity amounts payable for many triggers such as:
  • Hospitalization
  • Emergency room
  • AD&D
  • Transportation
  • Follow-up care
  • Burns, lacerations, fractures, dislocations
• Optional Riders for Hospital confinement due to Sickness, an Enhanced Emergency Room Benefit & Physician Office/Urgent Care Treatment Benefit and a Wellness Benefit.
• Guarantee issue on the base plan for eligible employees
• Coverage available for spouse and children when the employee purchases
• Policy is portable should the employee leave his/her employer

Critical Illness Insurance (Policy Series BM2100-MP)

• Lump-sum benefits paid directly to the insured following the diagnosis of each covered critical illness.
• Re-occurrence and additional occurrence benefits are included
• Covered Critical Illnesses include Cancer, Heart Attack, Stroke, Major Organ Transplant, Renal Failure at 100% of the selected benefit; Carcinoma in Situ and Coronary Artery Bypass Surgery are covered at 25% of the selected benefit
• Employee benefit amounts available from $5,000 to $50,000
• Spouses may purchase up to 1/2 of the employee benefit amount
• Dependent children are covered up to 10% of the employee amount at no additional charge
• Annual health screening benefit
• Simplified underwriting - only a few health questions
• Policy is portable after policy has been inforce for 6 months

State variations may apply to benefits and features available for these insurance products.
Some of these products may not be available in all states.