A common benefit package for a salon or spa employee would be the following.

1) Short Term Disability - to protect your ability to earn income if you are unable to do the duties of your job due to illness, injury or maternity leave.

2) Dental Insurance - although not a vital policy to carry, we see this as the 2nd most enrolled policy across most industries due to its high utilization.

3) Hospital Confinement - Many times we find policy holders seeking to expand their family and this policy pays benefits for hospital confinement situations for illness, injury and also maternity!

4) Term and Whole Life - Needs basis for sure but a vital piece of financial protection for your family members if something were to happen to you. Whole Life will build cash value and Term will be a great tool for financial replacement to support your family.

Absolutely! All plans options are available for you and your family, with dependent coverage until age 26.

You Sure Can! This Entire Menu is A-La-Carte! Your Advisor Will Help Guide You Through What is Most Important For You Individually as Well as For Your Family.

We Have Options That DO NOT Require Any Medical Exams and Also Allow Access to Larger Policies Which Do Require Medical Exams If You Wish to Acquire a Higher Policy Level.

Every Employee is Required to Meet at Least Once to Collect Waivers or Enroll. If You Have Waived in the Past and Do Not Wish to Meet, You Do Not Need to Again. If You Have Policies We Will Have the BFT Reps Connect With You Each Year to Review and Help File Claims Etc.