Escalating benefit costs and budget constraints limit many employers’ ability to provide adequate benefits for employees and their families. Voluntary benefits help solve this challenge by filling gaps, transferring cost, and providing employees and their families’ access to the important protections they need.

Navigation Benefits brings the leading voluntary benefit programs to our clients and their employees. Our impartial consultative approach and expert guidance can point you in the right direction.
Disability InsuranceAn employee’s ability to earn a paycheck is their most valuable asset. When disability “gaps” exist, voluntary disability insurance is arguably the most important voluntary benefit and can be custom designed to cover the uninsured time period allowing employees to protect their paycheck.
Term Life InsuranceAllows employees to elect higher levels of affordable life insurance designed for their working years. Term life insurance is a responsible way to provide the financial security needed for loved ones after an employee’s untimely death.
Permanent Life InsuranceBoth guaranteed whole life and flexible universal life insurance provide employees access to post-retirement life insurance. With permanent life insurance employees can secure level premiums and level death benefits, build cash values, and take their plan with them when they leave.
Accident InsuranceAccidents happen. Injuries to employees and family members can be costly. Accident insurance is affordable and designed to compliment the underlying health and disability insurance by helping cover out-of-pocket expenses including deductibles, co-pays, time off of work, and more.
Critical Illness Insurance & Cancer InsuranceOften a major illness can cause financial hardship for an employee and or their family – even if the employee or family member is covered by health insurance. Critical illness plans typically provide large lump sum payouts to employees upon diagnosis of cancer, heart attack, stroke, organ failure, paralysis, and more.
Hospital Indemnity & GAP InsuranceAllows employees to cover out-of-pocket expenses associated with high deductible health plans and larger hospital co-pays. Supplemental healthcare plans can be either employee or employer funded and are compatible with health savings accounts.
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Navigation Benefits LLC.   117 Forrest Avenue, Suite 214   Narberth, PA 19072   Phone: 484-416-0422   info@navben.com
Shipping Address:   64 E. Uwchlan Avenue, Suite 261   Exton, PA 19341   
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