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  • Home
    • Frank J. Moley
  • About Us
    • Our Team
    • Our Process
    • Employee Benefits
  • General Services
    • Agent and Broker
    • Business Owner & Account Manager
    • Employee & Policyholder
  • Custom Enrollment Solutions
  • FJM-CVB PROGRAMS
  • Contact Us
  FJM & ASSOCIATES OF BUFFALO INC.
  • Home
    • Frank J. Moley
  • About Us
    • Our Team
    • Our Process
    • Employee Benefits
  • General Services
    • Agent and Broker
    • Business Owner & Account Manager
    • Employee & Policyholder
  • Custom Enrollment Solutions
  • FJM-CVB PROGRAMS
  • Contact Us

FJM BENEFITS ADVISORS
Custom Enrollment Solutions For Any Size Business

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Why Voluntary Benefits?

Out-of-pocket expenses associated with a major illness or serious injury continue to increase along with Medical Premiums, Deductibles and Copays.  Current studies show that the average American family would suffer financial hardship if presented with an unxpected medical expense of $500 or more.

Voluntary Benefits (VB) are specifically designed to provide a source of cash directly to the insured to help offset these expenses that other insurances don't cover.  The VB Market has experienced double-digit growth for past several years and this trend is projected to continue.

Whether you currently market Voluntary Benefits, have in the past or are contemplating for the future, consider partnering with FJM Benefit Advisors.  Our team of professionals specialize in Voluntary Benefits and can handle all components of a successful Benefits Enrollment including: Design, Communication, Education, Implementation and Customer Service.
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Paul Moley, Melissa Laird
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