Voluntary Specialty
Voluntary specialty plans are the benefits that make a package feel modern. Identity and device protection. Supplemental indemnity coverage that picks up where major medical leaves off. They're employee-paid, easy to set up, and they speak directly to the things your clients' employees actually worry about. Inshore Benefits gives brokers access to a full voluntary specialty lineup from name-brand carriers, all under one appointment.
Different from the rest of the benefits stack, in a good way
Most benefits conversations sound the same year over year. Voluntary specialty changes that. You walk in with an answer to the data-breach headlines your clients' employees have been reading all year. You can pair supplemental indemnity coverage with a high-deductible health plan and give employees a real safety net for accidents and unexpected illnesses. It's a memorable add-on, with no cost to the employer.
Our voluntary specialty carriers
Inshore offers voluntary specialty plans through two well-known carriers that solve very different problems. Globe Life adds a layer of indemnity coverage for accidents and sickness. NortonLifeLock protects employees' identities, personal information, and the devices they use every day. You can quote one or both, and they slot in easily next to any dental, vision, or medical case. Plan availability and rates vary by state; we'll confirm what's available for a given group at quote time.
- Globe Life, Group Limited Indemnity (GLI). Helps cover the cost of certain expenses incurred due to a covered accident or sickness. Benefits are paid at a fixed amount per insured per day, up to a maximum number of days per year. A strong supplement for groups with high-deductible health plans. Currently available to groups in CA, FL, IA, IL, MN, OH, OK, RI, and TX.
GLI is not major medical health insurance. It is a limited benefit product that pays a fixed benefit amount when an insured incurs certain expenses for treatment due to an accident or injury.
- NortonLifeLock. LifeLock with Norton Benefit Plans give employees comprehensive, all-in-one protection for their identity, personal information, and connected devices. The IRS has determined that the value of identity theft protection an employer provides is generally non-taxable to the employee; employers should evaluate state and local tax considerations with their own advisors.
No one can prevent all identity theft or cybercrime. NortonLifeLock does not monitor all transactions at all businesses.
Voluntary specialty pays off
Specialty plans are an easy add to almost any conversation, and they're some of the stickiest products in your book. Inshore Benefits supports its appointed producers with attractive commissions and incentive programs.
Why Inshore Benefits
Brokers choose Inshore for voluntary specialty because we make it easy to bring real differentiation to a conversation. You can quote identity protection and indemnity coverage from one place, layer them onto any existing case, and lean on a team that knows specialty inside out. Inshore is powered by Warner Pacific and is part of North Ranch Benefits Trust, so the operations behind your cases are rock solid.
- Distinct, memorable products. Specialty gives you something to say in a conversation that's usually about dental copays.
- One source, two strong carriers. Quote Globe Life and NortonLifeLock without juggling separate appointments.
- Bundle-ready. Layer voluntary specialty onto any employer-sponsored or voluntary dental or vision case through the same Inshore appointment.
- Producer materials on demand. Benefit summaries, rate guides, claim sheets, and enrollment forms ready to download.
- Competitive commissions and incentives. We reward producers for both new business and persistency.
