How Caring Small Business Owners Can Offer Real Financial Protection for Their People
Even when traditional benefits feel out of reach.
Valinda Anthony
Partner, Voluntary Insurance Partners
20+ Years Serving Employers
Before we begin…
This is not about adding unnecessary benefits
This is about helping you make a smart decision for your business and your people. You may decide this isn't right — and that's okay.
Today is about clarity.
Our Promise
No pressure. Just honest conversation about what might work for you.
Let me ask you a question
If one of your employees couldn't receive a paycheck for several weeks…
Would that create financial stress for them?
This is NOT major medical insurance
Major Medical Covers
  • Doctor visits
  • Hospital stays
  • Prescriptions
But Gaps Remain
Out-of-pocket costs, deductibles, and everyday bills still create financial pressure when illness or injury strikes.
When illness or injury happens
Out-of-pocket costs remain
Deductibles, copays, and uncovered expenses add up quickly.
Household bills continue
Mortgage, utilities, groceries — life doesn't pause during recovery.
Income may slow or stop
Missing work means missing paychecks when families need them most.

A medical event often becomes a financial event.
Business owners tell me
"I want to help my people."
"But traditional benefits don't fit our budget."
You care — and you still have to protect your business. That tension is real, and it's exactly why we created a different approach.
Common Concern
"I don't have time for complicated enrollments"
Our process respects your schedule and removes the administrative burden from your plate.
01
Education handled for you
We explain the benefits to your team
02
Guided employee sessions
Professional enrollment support included
03
Completed in about 1 hour
Simple, efficient, done
Traditional benefits feel unpredictable
The Old Way
  • Fluctuating premiums
  • Hidden costs
  • Budget uncertainty
  • Complex administration
Our Approach
Predictable investment
$128
per employee per month
Simple. Clear. Controlled.
Small Business Advantage
Even businesses with as few as 3 employees can qualify.
Access typically reserved for large corporations — now available to small teams who need it most.
3
Minimum Team Size
Qualify with just three employees
$128
Per Employee Monthly
Predictable, manageable investment
VIP Advantage
Because Voluntary Insurance Partners writes more business with our flagship carrier than any other agency
Platinum underwriting
Preferred approval status
Pre-existing conditions waived*
Broader coverage access
Waiting periods waived*
Immediate protection
*with staff education participation
What Employees Receive
Cash benefits paid directly to employees. They decide how to use it:
Bills
Keep the lights on and the mortgage paid
Deductibles
Cover medical out-of-pocket costs
Daily expenses
Groceries, gas, essentials
Income support
Replace lost wages during recovery
Your role stays simple
We Handle
Education
Enrollment
Employee questions
Ongoing support
You Stay Focused
On running your business, serving your customers, and leading your team. We take care of the benefits administration so you don't have to become an expert in something outside your core business.
You're not becoming a benefits expert
You're becoming the employer who says:
"When life happens, my people have support."
That's the kind of leadership that builds loyalty, reduces turnover, and creates a culture where people want to stay.
Next, we simply explore
Where financial gaps may exist
Understanding your team's real vulnerabilities
What could fit your budget
Options that make financial sense for your business
Whether this makes sense
An honest assessment with no pressure
No pressure. Just clarity.
Next Step
Schedule a short strategy conversation
Leave with clarity and confidence, regardless of your decision.
Clear understanding
Of employee financial risks and protection gaps
Budget-friendly options
That fit a small business reality
Confident next decision
Even if the answer is "not now"
The Real Cost of Doing Nothing
When employees face financial crisis without support, the impact extends beyond their personal lives.
1
Immediate Impact
Stress, distraction, reduced productivity at work
2
Short-term Consequences
Increased absenteeism, requests for advances, financial mistakes
3
Long-term Effects
Turnover, training costs, loss of institutional knowledge
Real Stories from Real Businesses
"When my lead technician had a heart attack, I thought we'd lose him. The cash benefit helped him focus on recovery instead of bills. He's back now, and more loyal than ever."
— HVAC Company Owner, 8 employees
The Competitive Advantage
In today's tight labor market, small businesses compete with larger employers for quality talent.
Without Protection
  • "We can't afford benefits"
  • Higher turnover rates
  • Difficulty attracting talent
  • Employees vulnerable to crisis
With Protection
  • "We take care of our people"
  • Improved retention
  • Competitive recruiting edge
  • Peace of mind for everyone
How the Numbers Work
Let's break down what this investment actually means for a typical small business.
Compare this to the cost of replacing even one employee due to financial stress-related turnover.
What Makes This Different
Partnership Approach
We're not selling policies. We're building long-term relationships with businesses we believe in.
Education First
Employees who understand their benefits use them wisely and appreciate them fully.
Transparent Process
No hidden fees, no surprises, no complicated fine print. Just honest protection.
Common Questions Answered
What if employees leave?
Coverage is portable. Employees can take it with them, which actually increases its value as a benefit.
Is this tax deductible?
Yes, as a business expense. We can connect you with resources to confirm specifics for your situation.
What's the catch?
There isn't one. This works because it's simple, focused, and designed specifically for small businesses.
The Enrollment Experience
We've refined this process over 20+ years to be as smooth and efficient as possible. Most businesses complete enrollment in a single session.
Industry Flexibility
This protection works across virtually every industry and business type.
Trades & Construction
Electricians, plumbers, contractors
Personal Services
Salons, spas, fitness studios
Retail & Hospitality
Shops, restaurants, hotels
Professional Services
Accounting, legal, consulting
Healthcare
Dental offices, clinics, practices
Transportation
Delivery, logistics, drivers
Why Employees Value This
78%
Would stay longer
Employees with voluntary benefits report higher job satisfaction
63%
Feel more secure
Financial protection reduces workplace stress
When employees know they have a financial safety net, they bring their best selves to work. They're more focused, more engaged, and more committed to your business success.
This isn't just about insurance — it's about creating a culture of care.
The Platinum Underwriting Advantage
Our exclusive relationship with our flagship carrier means your employees get benefits that other agencies simply cannot offer.
Faster Approvals
Streamlined underwriting process
More Acceptances
Conditions others decline, we can cover
Better Protection
Waived exclusions and waiting periods
What Happens After Enrollment
Day 1
Coverage begins, employees receive confirmation and policy details
Week 1
Follow-up education session to answer any questions
Month 1
Check-in to ensure smooth implementation
Ongoing
Annual reviews, life event support, claims assistance
You're never left to figure things out alone. We're your partner throughout the entire journey.
The Trust Factor
"In 20+ years, I've learned that small business owners need straight talk, not sales pitches. You need to know exactly what you're getting, what it costs, and how it helps your people."
— Valinda Anthony
Making the Decision
You don't need to decide today. But you do need to understand what's at stake.
1
Gather Information
Understand your options and what they mean for your business
2
Consider Your Team
Think about their financial vulnerabilities and your role as their employer
3
Review Your Budget
Determine what investment makes sense for your business reality
4
Make Your Choice
Move forward with confidence, whatever you decide
Your Next Step Is Simple
Schedule Your Strategy Conversation
In 30-45 minutes, we'll explore:
  • Your team's specific financial vulnerabilities
  • Coverage options that fit your budget
  • Implementation timeline and process
  • Answers to all your questions
No obligation. No pressure. Just clarity.
Contact Valinda
Voluntary Insurance Partners
20+ years serving small businesses
Platinum-level carrier relationships
Businesses with 3+ employees welcome
The Choice Is Yours
Option 1: Wait and Hope
Hope that financial crisis doesn't strike your team. Hope that you don't lose good people to preventable stress.
Option 2: Take Action
Invest in protection that shows your people you care. Build loyalty, reduce turnover, and sleep better at night.
Which option aligns with the kind of employer you want to be?
Remember
You're not just protecting paychecks
You're protecting families. You're protecting futures. You're protecting the people who make your business possible.
That's not just good business. That's good leadership.
Let's Talk
Schedule your no-pressure strategy conversation today.
20+
Years of Experience
Serving small businesses
3
Minimum Team Size
Businesses of all sizes welcome
$128
Per Employee Monthly
Predictable investment
Valinda Anthony
Partner, Voluntary Insurance Partners
Helping employers protect their people