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  • Home
    • Frank J. Moley
  • About Us
    • Our Team
    • Unique Value Proposition >
      • Business Owner & Account Manager
    • Employee Benefits
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  FJM & ASSOCIATES OF BUFFALO INC.
  • Home
    • Frank J. Moley
  • About Us
    • Our Team
    • Unique Value Proposition >
      • Business Owner & Account Manager
    • Employee Benefits
  • General Services
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    • Employee & Policyholder
  • FJM-CVB PROGRAMS
  • Contact Us
  • FJM-BROKER
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2025 VOLUNTARY BENEFITS ENROLLMENT
for January 1st 2026
Enrollment Dates: 11/24/25 thru 12/15/25

Voluntary Benefits Offered by Colonial Life

Even the most robust Health Insurance can leave gaps when you’re facing a major Accidental Injury or Critical Illness (including Cancer). Whether receiving treatment in a hospital or outpatient clinic, you could face significant out-of-pocket costs—deductibles, co-pays, uncovered services, and even lost income—all of which can take a serious toll on your household finances.

That’s why programs like Accident, Critical Illness, Cancer, and Hospital Indemnity Insurance are so valuable. These plans pay direct cash benefits tied to specific covered events, and employees are free to use those funds however they see fit—from medical bills to rent, groceries, or travel. All of these are available with no medical underwriting to qualify for coverage.

But understanding your options is just the beginning. The real key to making the best possible decision for your family is sitting down one-on-one with a Colonial Life Benefits Counselor. This in-person meeting is more than a walkthrough—it’s your opportunity to ask questions, explore scenarios, and receive truly personalized guidance based on your individual needs and circumstances. You’ll leave with clarity, confidence, and the peace of mind that comes from knowing you’ve protected what matters most.

       Please select the button below to schedule your one-on-one meeting with a local ​Colonial Life Benefits Counselor.
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​VOLUNTARY BENEFITS PORTFOLIO
Select an image below for information on Voluntary Benefits offered by Colonial Life.
Accident Insurance
Critical Illness Insurance
Critical Illness - Cancer Insurance
Medical Bridge - Hospital Indemnity

    CLINICA SIERRA VISTA - Info Request
    ​FJM Benefits Advisors

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