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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

Voluntary Benefits

Voluntary Benefits were once seen as a ‘nice-to-have’ addition—an affordable way to provide extra cash flow in case of an accident or serious illness. In today’s evolving insurance landscape, however, these policies have become essential components of a comprehensive Employee Benefits Program, offering employees a critical financial safety net.

While 52% of American adults hold some form of Life Insurance, 41% - whether insured or uninsured - feel their coverage is insufficient. Colonial Voluntary Benefits provides guaranteed issue Group Term Life Insurance up to $175,000, with larger amounts available through simplified underwriting.

Dental and Vision Insurance, often minimally covered or excluded from standard health policies, can help offset the costs associated with maintaining dental and vision health—both vital to overall well-being.

In their commitment to supporting The Maker Hotel employees with relevant and valuable benefit options, your Benefits Broker - We Insure Risk, has partnered with FJM Benefits Advisors to introduce enhanced Voluntary Benefits through Colonial Life and Unum—two of the most respected names in the insurance industry.

As part of this initiative, all eligible employees will receive $15,000 in Group Term Life Insurance, guaranteed issue. (Enrollment will be automatic-no employee input required.)

Employees are encouraged to take advantage of these exclusive offers during open enrollment! Click the images below to view policy brochures and other materials tailored specifically for The Maker Hotel.

If, after exploring your options you have any questions or need additional information, please complete the form at the bottom of the page and select the programs you're most interested in. An FJM Benefits Advisor will reach out to guide you through your choices and provide personalized support.

​VOLUNTARY BENEFITS PORTFOLIO
Select an image below for information on products being offered through Colonial Voluntary Benefits and UNUM
Accident Protection
Medical Bridge / Hospital Indemnity
Voluntary Life Insurance
Dental Insurance
Vision Insurance

    The Maker Hotel
    ​FJM Benefits Advisors

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