Employee Benefits

Are you looking for more cost effective employee benefits? We can help.

As an insurance agent, you know the importance of having coverage. You also know the importance of retaining good employees and that one of the ways of doing that is to offer an attractive employee benefits package. By offering employee benefits, employers find that they have less turnover and shows the commitment they are making to their employee’s health, wellness and financial security. With IIANC’s employee benefit products, you can be assured that your staff will be well protected.
Your IIANC membership gives you access to an array of employee benefits, so you can offer a competitive and attractive benefits package to your employees.
Our programs are underwritten by UNUM Life Insurance Company of America and Guardian Life Insurance Company of America, providing Group Life, Group Voluntary Life, Group Short & Long Term Disability and Group Dental- with little or no participation requirements. Some benefits offer optional plan designs to meet the diverse needs of our members, as well as offering guaranteed issue Group Life and Voluntary Life. Whether you are a new member or an existing one, we can enroll you in benefits at any time.  

Learn More

Questions? Contact Cathy Hurley, Benefits Account Manager, at churley@iianc.com or 888-275-8910. 

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To upload enrollment forms or files, use this Employee Benefits Secure Link.


Employee Benefits Currently Available

Group Term Life Insurance


This is an Employer Funded plan, with four plan options to choose from to fit your agency’s needs. The benefit is guaranteed issue and offers the option to add spouse and dependent children up to age 19, or to age 25 if a full time student. (Certain Requirements must be met).

Access enrollment forms and more information.

Voluntary Life Insurance


The beauty of this benefit is that it can be offered as an Employer Funded plan or offered on a Voluntary basis, at the employees expense. Coverage is Guaranteed Issue up to $100K on employees; up to $30,000 for spouses and up to $10,000 on dependent children to age 19, or to age 25 if a full time student, provided certain requirements have been met. Benefit amounts of up to $500,000 or 5 times salary are available to employees with Evidence of Insurability.

Access enrollment forms and more information.

Group Short Term Disability


The Short Term Disability program protects for loss of earnings during an illness and/or accident, to include Maternity. The benefit pays 60% of earnings to a maximum weekly benefit of $1000 for a period of 12 weeks, once the 7 day elimination period has been met. This benefit can be offered on an employer paid basis or on a Voluntary basis at the employees expense. Coverage is Guarantee Issued, provided certain requirements have been met.

Access enrollment forms and more information.

Group Long Term Disability


Protect your employee’s financial security by offering Long Term Disability coverage. The benefit pays 60% of earnings to a maximum monthly benefit of $10,000 after the 90 day elimination period has been met. The benefit includes disability plus, a minimum benefit and a Survivor Benefit. Coverage is Guarantee Issued, provided certain requirements have been met.

Click here to access enrollment forms and more information.


Group Dental & Vision Insurance

Underwritten by Guardian Life Insurance Company, this program gives you the option to enroll in one of two dental plans offered, as well as a separate Vision plan. Plans can be offered as an employer paid benefit or offered on a voluntary basis. Our Guardian dental plans give you the choice of going to an in or out-of-network provider, with the Vision plan using the VSP Provider network. The vision plan provides a $150 allowance on frames and contacts and co-payments for your annual eye exam and materials.

Access the Guardian Dental & Vision Enrollment Kit


Retirement Planning Services

Big "I" Retirement Services can help you develop the best retirement plan for your agency with quality investments and state of the art administration. We have worked with more than 1000 independent agencies around the country to help them achieve their retirement goals. Our advisers are available to all IIABA members to provide consultation on existing and new plans alike at no cost or obligation. At Big "I" Retirement Services, you are considered a member first, and a client second. It doesn't matter if we are building a new plan for your agency or simply rolling over your existing plan in order to save you money with our low administrative fees, we strive to make your experience with us pleasant, professional, and hassle-free. Whether your goal is to maximize owners’ contributions, lower your agency’s tax burden, or retain key employees, our retirement professionals can tailor and customize a plan to fit your needs.

Plans for Agencies
  • Safe Harbor 401(k)
  • SIMPLE 401(k)
  • Regular 401(k)
  • Profit Sharing Plans
  • Money Purchase Plans             
Plans for Individuals
  • Regular IRA
  • Roth IRA       

Learn more about Big "I" Retirement Services.

Questions? Contact Christine Munoz at IIABA at christine.munoz@iiaba.net or 800-848-4401. 


Please note completion of any request(s) for information does not constitute the purchase of insurance. No coverage may be added, changed, or bound as a result of submitting a request for information or quotation of insurance. All coverage must be confirmed by the agency in writing subject to an acceptable signed application meeting the underwriting guidelines of the Insurance Company.

This website provides only a simplified description of coverages and is not a statement of contract. None of the information provided on the website is a guarantee that insurance will be provided or that the agency is obligated to procure insurance for the website visitor. Coverage may not apply in all states. Misstatements or omissions of relevant information can lead to price variation or even declination or rescission of coverage. For complete details of coverages, conditions, limits, and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable. Coverage CANNOT be bound, amended, or altered by leaving a message on, or relying upon, information in this Website or through E-Mail, Voicemail or Text.

Contact Information

Cathy Hurley

Account Executive

Cary, NC