Employee Benefits

Worksite Advantage for Business Owners


Making a Difference in Your Employees Lives

As an employer, taking care of current employees, remaining competitive to attract more skilled workers, and saving money are some of the most important parts of running a business. You want to provide your employees with benefits that can make a real difference in their lives while reducing the costs of offering supplemental insurance benefits. With Liberty National’s Worksite Advantage Section 125 Cafeteria Plan, you can do just that and more! You can offer an affordable voluntary supplemental benefits package that reduces taxable contributions for your business while helping employees gain access to pretax products. 

For most people, seeing truly is believing. When prospects see the faces of real people like themselves and hear their stories of how Liberty National's Worksite Advantage insurance changed their lives, it reinforces the need for appropriate insurance like nothing else can. View 'Making a Difference' and see for yourself!

A Snapshot of our Benefit Offerings

Your company can benefit too! We help businesses, state and local governments, and school systems provide much needed supplemental benefits for their employees. Contact us so we can show you how you can offer these benefits to your employees at no direct cost to your business.   

Happy Family in the Park

Unlike other group life products offered at work that go up in price when the employee retires, decreases in face amount, or even terminate altogether; our Group Term Life coverage remains in force to age 100, with the option to be paid up at 65.

Unique Life Benefits

Group Term Life, Income Protection and Mortgage Protection 

Insurance Agent

We will meet with each employee, 15 to 20 mins, to determine what there needs may be.  Then we will show them the unique and affordable way we can meet those needs.

Needs-Based Approach

Employees only purchase the coverage they need

Kids Running

In order to help families survive financially during this difficult time, we can help provide financial protection for Critical Illnesses, as well as Cancer. 

Living Benefits

Cancer, Critical Illness, and Accident Protection


With Liberty National’s Worksite Advantage Section 125 Cafeteria Plan, the employer facilitates insurance payment by deducting the premium from the employee’s paycheck before taxes are withheld on eligible pretax products.

Pretax deduction provides the benefit of reducing an employee’s taxable gross income. Lower taxable income for employees means employers spend less on contributions toward federal unemployment, Social Security, workers’ compensation, and applicable states taxes.

Liberty National’s Worksite Advantage is self-administered, so there are no setup or administrative fees.

Employer Cost Savings

There is no direct cost to the employer

Since 1900, Liberty National has insured generations of middle-income families with affordable supplemental life and health insurance benefits.

  • For 40 consecutive years, we have earned the A+ (Superior) Financial Strength Rating from A.M. Best Company (as of 7/18)

  • Founded in 1900

  • Headquartered in McKinney, TX

  • Licensed in 49 states

  • We give back to communities through our Closer to the Heart charitable contributions

  • Wholly-owned subsidiary of Torchmark Corporation (NYSE:TMK)

About Liberty National

Take advantage of tax savings for your business with a Worksite Section 125 Cafeteria Plan. Liberty National's Worksite Advantage can supplement any existing benefits you offer and help attract and retain valuable employees. You can:

  • Save money by purchasing certain supplemental insurance benefits pretax, conveniently through payroll deduction.

  • Perform better because they have access to voluntary benefits.

Business Owners

Worksite payroll deduction and billing follows a simple 3-step process that makes it easy for payroll administrators to keep track of premium payments. Liberty National also provides the convenience of online billing to make payments, view invoice history, and much more.

Step 1: Premium deducted from employee's paycheck

Step 2: Employer receives statement of premiums due for all employees

Step 3: Employer submits one check to cover premiums due. 


Payroll & Billing

More Benefits - Less Cost

A Section 125 Cafeteria Plan may give your business a tax break when your employees elect voluntary benefits made available by you.