Risk Management There are steps you can take as a business owner to help mitigate some of the risks that can threaten the viability of your business, such as: Creating a cash reserve Protecting the business from the loss of a key employee Protecting the business’ cash flow Products Group Whole LifeGroup Whole Life insurance can help employees be more prepared for the unexpected through permanent, portable, lifetime protection with built-in guarantees. Plus, it provides employees with the ability to build-up cash value that they can use to help them achieve their long-term financial goals.Group Universal LifeGroup Universal Life can offer employees a more customized approach to life insurance that can flex to meet their evolving protection needs. It offers employees affordable, permanent, portable coverage with flexible premiums and optional guarantees – all of which can help them keep up with the changes in their lives.Group Accident InsuranceWhile it's impossible to completely prevent accidents, Group Accident Insurance can help employees be better prepared for their potential financial impact. After an insured is injured due to a covered accident, it provides the certificate owner with a lump-sum benefit, so they can spend less time worrying about expenses and more time healing.Group Critical Illness (Specified Disease) InsuranceA critical illness – like a heart attack, stroke, or invasive cancer – can have an emotional, physical, and financial impact on certificate owners and their families. Group Critical Illness Insurance can provide the certificate owner with a lump-sum benefit, paid directly to them, to help them cover personal or medical expenses.