Why Offer Life & Disability?

• Protect families with employer-provided life benefits.

• Replace income during illness or injury so employees can focus on healing.

• Attract and retain top talent with competitive benefits.

• Group plans are often more affordable than individual coverage.

Coverage Options

Life Insurance
Basic term life (employer-paid) and voluntary/supplemental life (employee-paid or shared)

Short-Term Disability (STD)
Covers a portion of income for weeks to months following an illness or injury.

Long-Term Disability (LTD)
Extended income protection, often up to retirement age depending on plan design.

Benefits for Employers

• Strengthen your benefits package and company culture.

• Increase employee loyalty and reduce turnover.

• Potential business tax advantages—consult your accountant.

Who We Serve

Small businesses, nonprofits, and professional practices across Missouri & Illinois seeking tailored, budget-friendly group benefits.

How the process works

1. Quick discovery call to understand your needs and budget

2. We shop competitive carriers and design plan options tailored to your team.

3. Choose the plan that fits, and we handle enrollment and implementation.

4. Ongoing support for administration, claims guidance, and renewals.

Common Questions

Can I mix employer-paid and voluntary plans? Yes — plans are flexible so you can choose the right balance for your budget and team needs.

Take the Next Step

Call or email us today for a complimentary plan review and customized quote designed around your business goals.

Let's build a plan that fits your team

Custom quotes, simple enrollment, and ongoing support from our licensed brokers.

📞 636-265-0995
✉️ team@jhwinsurancepartners.com