Aflac has its own unique policies that pay cash directly to policy owners experiencing a serious ilness / injury to pay deductubles or other household expenses At no cost to your company you can give your employees the option of selecting Short Term Disability, Accident Indemnity, Cancer Indemnity, Hospital Protection, and Life Insurance through AFLAC. If they choose one of our plans they can have it payroll deducted. Not only do I think it would be beneficial to your employees but to your company as well by helping to build loyalty within the organization. If interested please contact me so that I can send/give you a quick 15 minute presentation. Thanks in advance for your consideration. Individuals feel free to respond as policies can be written on an individual basis too without a payroll account.