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Offering voluntary benefits to your employees is a great way to improve morale and reduce turnover. Voluntary benefits can include things like life insurance, disability, accident coverage, critical illness and cancer policies that the employee pays for 100% through payroll deductions. In most cases, only 3 employees need to enroll to form a group. Sometimes the life insurance purchased by employees through work is the only life insurance they have. There is usually limited underwriting involved with these policies so it enables people that may not have been able to get covered on their own due to pre-existing conditions, get affordable coverage. The coverage is also portable meaning they can take it with them if they ever leave the job. 
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