Products & Services

Voluntary Products

Term Life Insurance

Term Life insurance provides low cost coverage for a limited period of time, and is the basis of a sound financial plan. Once the coverage period expires, the insured can either drop the policy or pay annually increasing premiums to continue the coverage.

Life Insurance options are a great way to enhance your benefits portfolio. Employees will be given peace of mind knowing if the unthinkable should happen, their loved ones are taken care of.

When an employee is injured off the job or becomes sick they want to know they’ll still have income while recovering. That is where a Disability Plan comes in to protect an individual’s greatest asset – their ability to generate an income!

Short and Long Term Disability

Short-Term Disability is a type of insurance that pays a percentage of the employee’s salary for a specified amount of time while they are ill or injured and cannot perform the duties of their job.

Long-Term Disability is a type of insurance that pays a percentage of the employee’s salary for an extended period of time while they are ill or injured and cannot perform the duties of their job.



Contact MCAI Customer Service at (800) 466-4198