WELCOME TO COLONIAL VOLUNTARY BENEFITS (a Leader in Supplemental Insurance)
Presented and Administered through FJM & Associates of Buffalo, Inc.
As Insurance and Voluntary Benefits Representatives, we understand the role that effective Communication and Education plays in understanding the need for these programs. Since no two people and/or their families have exactly the same Personal or Financial needs, the ability to tailor these programs to your specific circumstances is extremely important.
Voluntary Benefits (a/k/a - Supplemental Insurance), are unique programs designed to provide Pre-Arranged, Cash-Dollar Payments directly to you (based on specific events or treatments), that may be used anyway you see fit. These programs are specifically designed to pay in addition to any other coverages you may have to provide an extra layer of Financial Protection.
Accident Protection, Whole Life Insurance and Short-Term Disability are all offered via Guaranteed Issue, which means there are No Medical Questions and No One May Be Denied Coverage! (Critical Illness and Hospital Indemnity are offered under Simplified Underwriting which does require answering a few qualifying questions.)
You may select any of the images below to learn more about that particular program. Then if you are interested in learning more about or enrolling in any of them, kindly complete and submit the Contact Form below, indicating which programs you are most interested in, and your FJM Representative will reach out to you to schedule either an in-person or virtual appointment.
We look forward to helping you with this important decision.
(Select any one of the graphics below to see a brief outline of the product.)
Presented and Administered through FJM & Associates of Buffalo, Inc.
As Insurance and Voluntary Benefits Representatives, we understand the role that effective Communication and Education plays in understanding the need for these programs. Since no two people and/or their families have exactly the same Personal or Financial needs, the ability to tailor these programs to your specific circumstances is extremely important.
Voluntary Benefits (a/k/a - Supplemental Insurance), are unique programs designed to provide Pre-Arranged, Cash-Dollar Payments directly to you (based on specific events or treatments), that may be used anyway you see fit. These programs are specifically designed to pay in addition to any other coverages you may have to provide an extra layer of Financial Protection.
Accident Protection, Whole Life Insurance and Short-Term Disability are all offered via Guaranteed Issue, which means there are No Medical Questions and No One May Be Denied Coverage! (Critical Illness and Hospital Indemnity are offered under Simplified Underwriting which does require answering a few qualifying questions.)
You may select any of the images below to learn more about that particular program. Then if you are interested in learning more about or enrolling in any of them, kindly complete and submit the Contact Form below, indicating which programs you are most interested in, and your FJM Representative will reach out to you to schedule either an in-person or virtual appointment.
We look forward to helping you with this important decision.
(Select any one of the graphics below to see a brief outline of the product.)
