voluntary-benefits
(3)
Aflac
For 70 years Aflac has sold Americans the thing their health plan skips: cash in hand when an accident or illness stacks up the bills insurance won't touch.
Overalls
Overalls is a New York-based benefits company that gives every employee a dedicated LifeConcierge - a real human expert amplified by AI - to handle the personal to-do list that piles up during the workday, from booking childcare and navigating a medical bill to planning a trip or dealing with home repairs. Founded in 2021 by insurtech veteran Jon Cooper at venture studio Redesign Health, Overalls pairs concierge services with financial-protection products under the thesis that reducing life's off-the-clock stress makes people more focused and productive at work. It sells to employers as a supplemental benefit and counts Reddit, Patreon, Coterie and BeatBox Beverages among its customers.
Reframe Financial
Reframe Financial is a Los Angeles-based insurtech building digital-first insurance for the messy middle of life - the years when millennials and Gen Xers are raising kids and starting to care for aging parents. Its flagship product, Reframe LifeStage, bundles Indexed Universal Life insurance with cash value and long-term care benefits into a single policy that evolves across three life stages, sold through employers and associations with online underwriting that skips the lab tests and interviews.