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. Since our inception, we have pioneered the intelligent integration of communication, enrollment, and administration to ensure our client’s programs succeed.

The Bundle by VIP

Five Coverages Bundled Together at One Low Rate.

Our insurance program offers you and your family added protection from the financial impact of an unexpected illness, accidental injury, a period of disability, and death.

The Bundle by VIPAdvantage

  • Three Affordable Packages to Choose From
  • Guaranteed Issue
  • Coverage Effective Immediately
  • Plans Will Cover Flu-Like Symptoms Due to COVID-19
  • Coverage for Spouse and Children Available
Learn More

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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 worker’s 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 in a lump sum when insured is diagnosed with one of the covered illnesses. Benefit covers types of cancer, heart attack, stroke, etc.

    Hospital Indemnity

    Benefit pays upon a schedule. Benefit is designed to pay for admission to hospital, days confined, medical transportation, and emergency room visits.

    Term Life

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

    Member Resources

    By becoming a member, you have access to enroll by contacting our Call Center, visit the member portal to access all the information about your existing coverage and easily navigate your claim online with MetLife’s claims portal.