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Our Products > Voluntary Worksite

Voluntary Worksite Insurance ProductsAt 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 many 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 exclusively 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 ICC13 END-95 (ES0) (3/13))

  • 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 & Catastrophic Loss Rider
  • Tobacco/non-tobacco rates and blended rates available

Short Term and Long Term Disability Insurance (Policy Series BMLWS DI 6/11)

  • Short-Term and Long-Term Benefit Plans
  • Non-Occupational or 24 Hour coverage for accidents and sickness
  • Multiple elimination periods and benefit durations to meet employer and employee needs
  • Waiver of Premium
  • Disabled and Working Benefits
  • Mental Illness & Drug/Alcohol Benefit
  • No maximum issue age if actively at work
  • Guarantee Issue available for qualifying groups
  • Maximum flexibility in plan design features and underwriting!
  • Options for Pre-Existing Conditions, Portability, Offsets, and many other optional features!

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, spouse and children
  • Policy is portable should the employee leave his/her employer

Critical Illness Insurance (Policy Series WS-CI 4/12)

  • Pays 100% of the benefit amount for the diagnosis of many covered conditions. Includes Cancer, Heart Attack, Stroke, End Stage Renal Disease, Major Organ Transplant, Coma, Paralysis, Severe Burns, Loss of Sight, Speech or Hearing, Alzheimer's Disease, Amyotrophic Lateral Sclerosis (ALS) and Benign Brain Tumor.
  • Pays 30% of the benefit amount for Coronary Artery Bypass, Angioplasty and Stent Insertion and Carcinoma In Situ.
  • Children are covered to age 26 regardless of marital or dependency status - a 25% benefit is automatically included at no additional charge.
  • Children have additional coverage for a new diagnosis of childhood conditions - Cerebral Palsy, Cystic Fibrosis, Down Syndrome, Spina Bifida and Cleft Palate/Lip.
  • Includes a one-time Skin Cancer benefit of $300.
  • Cancer benefit can be carved out to work with other coverages in place.
  • No lifetime maximum - includes benefits for reoccurrences and additional occurrences.
  • Maximum flexibility in plan design features and underwriting!
  • Riders available for Health Screening tests, Genetic Screening test, Occupational HIV and our new Extended Loss Rider (for inpatient Confinement of 30 days or more)!.

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

*The American Hospital Association (AHA) Endorsement Seal is the exclusive property of the AHA. AHA Solutions, Inc., a subsidiary of the American Hospital Association, is compensated for the use of the AHA marks and for its assistance in marketing endorsed products and services. By agreement, pricing of endorsed products and services may not be increased by the providers to reflect fees paid to the AHA.