Employee benefit costs, particularly health care costs, have increased substantially over the years. Voluntary benefit programs and worksite management became a major focus in the 1990's and continues today. These programs offer employees a great menu of choices with no hard dollar costs to the employer.

Simplified enrollment and payroll deduction to pay premiums make these programs an attractive and simple way for employees to obtain valuable benefits. HORAN works with each company to design the appropriate benefit program for its employees.

Voluntary Benefit Products

   • Term Life Insurance
   • Permanent Life Insurance
   • Disability Benefits
   • Long Term Care Insurance
   • Critical Illness Insurance
   • Personal Accident Insurance