Group Life Insurance
Employer-sponsored life insurance available to all eligible employees, often with guaranteed issue amounts that require no medical exam or underwriting.
Supplemental Insurance
Meaningful protection for employees, with no cost to the business.
DWR's supplemental insurance portfolio gives employees access to life, accident, hospital, and critical illness coverage that fills the gaps traditional health plans leave behind. Employees choose and pay for the coverage that fits their lives. The business pays nothing.
The Product Portfolio
Six coverage types. All voluntary. All no cost to the employer.
DWR works with a broad portfolio of carriers to offer supplemental coverage options that are voluntary, meaning employees elect and fund the coverage themselves. The employer's role is to make the option available. DWR handles the rest.
Individual Life Insurance
Term and permanent life options that belong to the employee regardless of employment status. Coverage that travels with them if they leave the company.
Accident Insurance
A lump-sum cash benefit paid directly to the employee when a covered accidental injury occurs. Helps offset costs that health insurance does not fully cover.
Hospital Indemnity
Daily cash benefits during a hospital stay that help employees cover out-of-pocket expenses, from deductibles and copays to everyday living costs during recovery.
Critical Illness Coverage
A lump-sum payment upon a covered diagnosis such as cancer, heart attack, or stroke. Gives employees financial flexibility at a time when their focus should be on recovery.
Guaranteed Issue Options
Many products in DWR's portfolio are available without medical underwriting, meaning employees with pre-existing conditions can still access meaningful coverage.
Why It Matters
Coverage that goes where traditional health insurance stops.
Standard health insurance covers medical bills, but it does not cover the income employees lose during recovery, the deductibles that stack up after a hospital stay, or the financial pressure that follows a serious diagnosis. Supplemental insurance fills those gaps with cash benefits paid directly to the employee.
- Fills coverage gaps that traditional health plans leave behind
- Employees keep the benefit even if they leave the company
- No medical exam required for many guaranteed issue products
- Pays cash directly to employees, not to providers
- Voluntary: employees choose the coverage that fits their needs
For the Employer
Offer more without adding to the benefit budget.
Supplemental insurance is entirely voluntary. Employees choose whether to enroll and pay the premium themselves through payroll deduction. The employer makes the benefit available and benefits from the recruitment and retention value. There is no employer contribution, no added administrative burden beyond the initial setup, and no financial risk to the business.
Zero employer contributionEmployees elect and fund their own coverage. The business pays nothing for the benefit itself.
Portable coverageMany products travel with the employee regardless of employment, adding long-term value employees recognize.
DWR manages enrollmentDWR leads employee education and enrollment so participation is meaningful, not just on paper.
Guaranteed issue: coverage without the barriers.
Many products in DWR's supplemental portfolio are available on a guaranteed issue basis during the initial enrollment period, meaning employees do not need to answer health questions or pass a medical exam to qualify. This is particularly valuable for employees who have been declined for coverage in the past or who have pre-existing conditions that would typically limit their options.
- No medical exam required during initial enrollment
- No health history questions for guaranteed issue products
- Available to all eligible employees, regardless of health status
- Coverage begins immediately upon enrollment approval
- Guaranteed issue amounts vary by product and carrier
- DWR identifies which products qualify at each employer
How DWR Handles It
Setup, enrollment, and support without the complexity.
DWR manages the supplemental insurance process from carrier selection through employee enrollment. That includes identifying the right products for the employer's workforce, educating employees in plain language about what each benefit does, running the enrollment period, and providing year-round support for claims and employee questions.
The goal is a benefit that employees actually understand and use, not a checkbox on a benefits summary nobody reads.
Ready to Add Supplemental Coverage?
Expand your benefits without expanding your budget.
DWR will review your current benefits program and identify which supplemental products are the right fit for your team. The conversation is straightforward and the first step costs nothing.