Voluntary insurance is essential for three key reasons: it can help cover gaps in employer-provided health insurance like rising deductibles, it provides financial protection against the unexpected costs of accidents and illnesses, and over 90% of employees value the additional benefits and protection that voluntary insurance offers.

1. 3 REASONS VOLUNTARY
INSURANCE IS ESSENTIAL
More than ever, voluntary insurance is indispensable – and here’s why:

2. Sources:
1 2015 Aflac WorkForces Report, conducted by Research Now Jan. 26 – Feb. 11, 2015, among 1,977 benefits decision-makers and 5,337 employees at U.S.
companies with at least three employees.
2 New York Times (2015). Health Insurance Deductibles Outpacing Wage Increases, Study Finds, accessed Oct. 26, 2015, from http://www.ny-
times.com/2015/09/23/business/health-insurance-deductibles-outpacing-wage-increases-study-finds.html?_r=0.
3 2015 Aflac Open Enrollment Survey, conducted by Lightspeed GMI June 23 – July 2, 2015, among 2,000 adults ages 18 and older who are employed full or part
time in the U.S. at a company with three or more employees.
4 Compared to those not offered voluntary insurance by their employer.
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