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How are Plan
Premiums Deducted?

Voluntary Payroll Deduction

Plan premiums that qualify for pre-tax deduction under the Cafeteria Plan:

  • Accident Insurance
  • Cancer Insurance
  • Critical illness
  • Dental
  • Disability
  • Hospital Gap Plan
  • Term Life Insurance
  • Vision


Plan premiums that qualify for pre-tax deduction, but are outside of the Cafeteria Plan:

  • 457(b) Group Variable Annuity
  • 403(b) Annuities
  • 403(b)(7) Mutual Funds
  • Fixed Annuities
  • Variable Annuities



Plan premiums that are offered on an after-tax deduction, outside of the Cafeteria Plan:

  • Disability Income Insurance
  • Permanent Life Insurance
  • Term Life Insurance
  • Group Term Life Insurance
  • Long term Care Insurance
  • Non Qualified (after tax) Annuities
  • Individual Retirement Annuities
  • Traditional IRA
  • Roth IRA


  • Provide protection for your employees
  • Select from a variety of vendors
  • Knowledgeable account managers available year round
  • Options to fit your business needs
  • Latest in technology
  • With you every step of the way
  • 40 years of experience