Combined Insurance-Employee Benefits

03/02/2026

Shared from Eastbridge Consulting:

Supplemental health insurance isn’t “supplemental” anymore.

Accident, critical illness and hospital indemnity insurance play an increasingly vital role in helping employees manage the financial impact of serious, unexpected medical events. Sales of these products combined are up 29% since 2021 — and in 2024 they accounted for 38% of all voluntary benefit sales.

The trend is clear: Employees are using supplemental health insurance to cover the high deductibles and out-of-pocket expenses traditional medical plans don’t.

Our recent research shows the market is evolving rapidly as carriers make significant enhancements to improve the flexibility and value of these plans.

🔹 Critical illness products are leading the innovation charge. Most carriers have expanded covered conditions and increased plan flexibility in the last 24 months.

🔹 Hospital indemnity and accident products are following suit, with higher benefit amounts and more adaptable plan designs that deliver broader coverage and more options for employees.

The message is clear: Carriers that don’t modernize their supplemental health products risk falling behind in a highly competitive market.

If you’re benchmarking your portfolio for 2026/2027, we can help you learn how to stay ahead of the market. Contact us to discover how stronger supplemental health products can drive your competitive position.

11/26/2025

11/01/2025

Happy Halloween everyone from me and the little Powell’s!

10/20/2025

You still have time to get coverage set up for your employees at no cost to you for 1/1/2026. Healthcare renewals are in and costs have continued to climb. Be the hero by giving your employees access to voluntary benefits that pay them and help offset copays and deductibles. Accident, Critical Illness with a triple benefit and kids coverage for free, or short term disability for 3 month or 6 months, and permanent life insurance options. Message me to set up a 15 minute meeting to learn more! Your employees will thank you! Already have coverage? Let us compare and find you ways to help them keep
More of their paycheck! Now is the time!

08/23/2025

I help Employers help their employees. Fourth Quarter is coming! Let’s get your enrollment set! We can offer guaranteed issue products for 760 industry codes. Schedule time to
Meet today!

11/20/2024

Always looking for new talent to come alongside! Who do you know? Career Pipelines and Pathways last week!

11/15/2024

I NEED business owners who want to improve their employee benefit offerings to contact me now! This is at no cost to you, employee paid voluntary benefits, ie accident, lump sum critical illness with a triple benefit (kids covered for free), Short term disability with 0/7 elimination period, and permanent life insurance. ALL of these products are portable! Be your employees hero by giving them access to these valuable benefits! Many SIC codes are eligible for BUNDLED GUARANTEED ISSUE meaning no underwriting! 12/14 is deadline for 1/1/2025 effective date! Combined Insurance, a CHUBB Company.

11/02/2024

It is fourth quarter and time for a review of your employee benefits for 2025! If you want benefits in place by January 1,2025, the deadline for enrolling is Dec 14th! We should be talking now about setting up your group and getting things in place to enroll this month. Contact me for a free review of how we can help offset copays and deductibles and pay cash directly to your employee in the event of accident, illness or loss of income! Affordable rates and comprehensive coverage!

Hi! I am Beth Powell and I am passionate about helping people when life happens because my family has lived through it. Health issues can be financially devastating to a family and it is important to me to educate folks and protect their family.

07/27/2024

Looking for ways to help your employees by enhancing their benefits package? At little to no cost to you? Let’s talk! I can help you help them.

07/13/2024

Life happens. How many times have you seen a go fund me for funeral expenses? It is so sad a family has to worry about giving a loved one a proper funeral on top of dealing with the shock, grief and loss. A funeral cost in excess of 15,000. Cremation between 4-6000.

Don’t let that be your family or your loved ones. Send me a message to find out what it would cost to cover those expenses and take one thing off the plates of your loved ones if something were to happen to you.