What is the Voluntary Insurance Program

Introduced in 1991 by Winston Benefits, the Voluntary Insurance Program (VIP™) provides our clients with an end-to-end solution for voluntary benefits that provide additional protections for members and their families. Since our inception, we have pioneered the intelligent integration of communication, enrollment, and administration to ensure our client’s programs succeed.

Voluntary Benefit Options

VIP provides you with different benefit options that are “Best in Class”—products that offer you and your family added protection from the financial impact of unexpected illness, accidental injuries, periods of disability, death, and so much more.

Member Advantages

  • Guaranteed Issue
  • Coverage Effective Immediately
  • Coverage for Spouse and Children Available
  • Various Enrollment Options

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    Benefit has on- and off-the-job coverage and pays on a recurring basis if the insured meets the definition of disabled. Benefit does not reduce if there is workers’ compensation involved.


    Benefit pays on a schedule of benefits when an accident occurs on- or off-the-job. This includes emergency treatment, hospital stays, medical exams, and other expenses you may face such as transportation and medical equipment.

    Critical Illness

    Benefit pays a lump-sum when insured is diagnosed with one of the covered illnesses. Benefit covers types of cancer, heart attack, stroke, etc.

    Term Life

    Benefit pays in a lump-sum amount upon the insured’s death.

    Interested in Learning More?

    Review this flyer for more information.

    If you have any questions on these benefits or how to enroll. Please contact the VIP Call Center.