Smart protection for your people. Flexible options for your business.
At Jormungandr, we help employers offer meaningful insurance benefits that support their workforce — without breaking the budget. Our group and voluntary benefit solutions are built for flexibility, affordability, and long-term value.
Group benefits are core insurance plans provided by the employer. These benefits offer coverage to all eligible employees — often at a lower cost than individual insurance.
Common group benefits include:
These foundational benefits help employees stay healthy, protected, and financially secure — while strengthening your overall compensation package.
Voluntary benefits are optional plans offered through the employer but paid by the employee through convenient payroll deductions.
Popular voluntary benefits include:
These benefits fill gaps that traditional health insurance might not cover — helping employees customize their protection with flexible, affordable options.
Benefits for Your Business:
Offering voluntary benefits shows you’re invested in your team — and gives your workforce real value without added administrative strain.
Benefits for Your Team:
Voluntary benefits give employees access to insurance they might not be able to get on their own — with lower costs and less hassle.
Still on the fence about offering more benefits? Here’s what many employers and employees get wrong — and what’s really true.
False: Small and mid-sized businesses can offer strong benefit packages by combining group and voluntary options. Voluntary benefits are typically employee-paid, making them low-cost for employers.
False: Today’s workforce wants flexibility. When benefits are communicated clearly and priced right, participation goes up.
False: Health insurance doesn’t cover everything. Supplemental benefits like accident and disability insurance help cover out-of-pocket costs and income loss.
False: Most plans are easy to implement with modern tools and carrier support — with minimal effort from your HR team.
False: Many employees value the chance to access discounted coverage they can’t find on their own — especially with payroll deduction and group pricing.
False: Low participation often comes from lack of trust or communication — not lack of interest. Employees want to know the provider or agency will be there long-term. Consistency, clarity, and follow-up build confidence and boost engagement.
Whether you’re a small business or growing enterprise, we’ll help you design a smart, sustainable benefits package your employees will appreciate — and your bottom line can support.
Our team can help you explore coverage options tailored to your needs.