Support Your Team with Benefits That Work
Explore Life Insurance Options in Roseville, Sacramento & Nearby Areas
Your employees are the backbone of your business—and the right benefits package helps you attract top talent, keep your team healthy, and show you value their well-being.
At Rod Insurance Group, we guide you through group health, dental, vision, life, and retirement options, helping you create a package that fits your budget and supports your employees.
Group Health Insurance
A strong health plan is the cornerstone of any employee benefits package. Group health insurance helps your team access quality care at lower rates than individual plans, thanks to pooled risk across your business. Coverage often includes doctor visits, hospital care, preventive services, prescriptions, and mental health benefits. We’ll work with you to design a plan that balances affordability with meaningful protection, whether you employ five people or five hundred.
Dental & Vision Coverage
Dental and vision plans are cost-effective add-ons that go a long way in improving employee satisfaction and overall health. Routine checkups, cleanings, eye exams, and corrective lenses are covered, with many plans also including orthodontics or major dental procedures. Adding these benefits shows your team you care about their everyday well-being, while reducing the risk of costly health issues down the line.
Group Life & Disability Insurance
Life and disability insurance provides a safety net your employees can count on in uncertain times. Group life insurance ensures families are financially supported in the event of a loss, while short-term and long-term disability plans replace income if an employee is unable to work due to illness or injury. These benefits offer employees peace of mind and demonstrate your business’s commitment to protecting them beyond the workplace.
Who Needs Employee Benefits?
If You Want to Build a Strong Team, You Need a Plan
Employee benefits aren’t just for large corporations—they’re an essential part of attracting and retaining great people in today’s job market. Offering benefits shows your team you value their well-being and helps create a loyal, productive workforce.
It’s a smart decision for:
- Small businesses that want to stay competitive
- Mid-sized companies looking to reduce turnover
- Employers focused on employee health and financial security
- Business owners aiming to boost workplace morale and loyalty
- Organizations wanting to attract top talent in their industry
Insurance FAQs
Get Clear Answers to Common Questions
We’re here to explain your options and help you compare life insurance quotes in Roseville, Sacramento, and beyond. Whether you're just starting your search or reviewing your current plan, we offer clear advice and personalized support.
How much life insurance do I need?
The amount depends on your income, debts, future expenses, and goals. A common rule of thumb is 10 to 15 times your annual income. But we look deeper—factoring in your mortgage, education plans for kids, existing savings, and more—to tailor a policy that fits your unique situation.
What are living benefits in a life insurance policy?
Living benefits let you access a portion of your policy’s death benefit while you’re still alive if you’re diagnosed with a qualifying illness. This can help cover:
- Medical treatment
- In-home care
- Lost income
- Daily living expenses
They’re included in many of the life insurance policies we offer at no additional cost, making them a valuable part of your financial safety net.
Is life insurance expensive?
Not necessarily. Affordable life insurance is available, especially if you’re healthy and apply early. Term life insurance is typically the most cost-effective, and we work with a wide network of carriers to compare rates and help you find the best value.
What’s the difference between term and permanent life insurance?
Term life lasts for a set period and pays a death benefit if the insured passes during that time. Permanent life (like whole life or universal life) provides coverage for life and includes a cash value component. Each has its advantages depending on your goals—term is budget-friendly, while permanent offers long-term growth and stability.
Can I convert my term policy to a permanent one?
Many term life insurance policies allow you to convert to a permanent policy before a certain age or year of the policy. This option can help you keep coverage for life without undergoing new medical exams. We help you review this option when the time is right.
Can I have more than one life insurance policy?
Yes. It’s common to layer policies for different needs—like using term life to cover your mortgage and permanent life for long-term financial planning. We help you structure your coverage to maximize benefits without overpaying.