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Our Products › Voluntary Insurance Plans

These voluntary insurance plans provide benefits directly to you and will help pay your non-medical bills (expenses that are not covered by your health insurance), such as mortgage, utilities, groceries and other basic daily expenses without wiping out your hard-earned savings. Due to the high cost of living in Hawaii, coverage under one of these plans will help protect your finances in case of major illness, surgery or medial emergency that will keep you out of work for a prolonged time.

Hawaii is one of the healthiest states in the nation, but we are not immune to diseases. Heart disease, cancer and stroke are top three leading causes of mortality in the state, which amount to more than half of all deaths each year, as reported by Hawaii Department of Health. These policies are the choice of many who want financial protection against unforeseen illness or accidents.

Premiums for eligible plans can be payroll deducted on a pretax basis so you save money on taxes while completing your health insurance coverage with our supplemental insurance plans.



CancerCare Elite   CancerCare Elite brochure

Cancer is the second leading cause of death in Hawaii. Because there are many non-medical expenses associated with the diagnosis and treatment of cancer, you may want supplemental coverage. Our CancerCare plans include benefits such as hospital stay, surgery, chemotherapy and transportation. A wellness benefit of $75 per calendar year for diagnostic tests is also included. Optional benefit riders are available for cancer diagnostics, daily coronary care/intensive care, and monthly disability. Visit the American Cancer Society website.


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Accident Elite   Accident Elite brochure

Accidents may happen at anytime -- at work or at home -- and is the leading cause of deaths and injuries among people from birth to age 44. Unlike a standard AD&D plan, Accident Plans provide comprehensive benefits for services such as hospital confinement, burns, surgery for tendon/ligament repair, emergency room, and ambulance. In addition, it pays for a routine physical exam after each anniversary of the policy effective date.


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CriticalCare Elite   CriticalCare Elite brochure

A comprehensive benefit that offers lump-sum payments paid directly to the policyholder or the beneficiary upon first positive diagnosis of a covered critical illness. Critical illnesses include cancer, heart attack, stroke, end-stage renal failure, major organ transplant, quadriplegia, coronary artery bypass surgery, balloon angioplasty, stent or laser relief obstruction surgery, and carcinoma in situ. Policy face amounts are available in $5,000 increments, up to $100,000.


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Hospital Confinement   Hospital Confinement Plan brochure

The Hospital Indemnity Plan provides coverage from the first day of a hospital stay as a result of an accident or sickness. Benefits include coronary care/intensive care, accidental death and dismemberment, surgical procedures, and ambulance.


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Voluntary Long-Term Disability

If you become disabled due to an injury or sickness, Temporary Disability Insurance will exhaust in six months. Voluntary Long-Term Disability Insurance allows you to select a benefit amount up to 60 percent of your monthly earnings, up to a maximum of $6,000.


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Voluntary Life and Accidental Death & Dismemberment   Voluntary Group Term Life brochure

You may select up to $300,000 of term life insurance for you and your spouse at competitive group rates. You also have the option of purchasing $1,000 of term life insurance for your children, ages 15 days to 6 months and $5,000 for children ages 6 months to 23 years. Voluntary AD&D provides 24-hour coverage for accidental loss of life, limbs, sight, speech or hearing. You can choose between the individual or family plan with benefit amounts ranging from $10,000 to $300,000.


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