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Beam Benefits launches new critical illness product to provide more coverage for serious health conditions

March 8, 2023

Beam enhances its ancillary benefits portfolio with the addition of critical illness and expands supplemental health and voluntary life plans across more states.

COLUMBUS, Ohio (March 8, 2023)Beam Benefits, a digitally-native employee benefits company, today announced the launch of a new critical illness benefits product in 23 states, as well as introduced its supplemental health and voluntary life coverage1 in new states, allowing employers to set up a flexible benefits plan that offers their employees more choices that better suit their individual needs.

“The addition of critical illness plans and expansion of our supplemental health and voluntary life coverage builds upon Beam’s success in the employee benefits space, providing employers with a full suite of ancillary benefits to meet the evolving needs of today’s workforce,” said Alex Frommeyer, co-founder and CEO of Beam Benefits. “Our new and expanded benefit offerings ensure individuals have an affordable way to pay for the additional expenses that primary health plans may not cover.”

Through Beam’s critical illness coverage, employers may customize plans for employees with guarantee issue benefit amounts that provide financial protection for a serious illness or condition not covered by a traditional health plan. Product highlights include:

  • A lump-sum cash payout made directly to an insured individual upon diagnosis of a qualifying serious illness
  • Flexibility to allocate money for out-of-pocket treatment costs and non-medical expenses
  • No lifetime maximum benefit amount along with recurrence benefit included
  • Dependent coverage available for family members

Beam’s new critical illness benefits product is now available in Alabama, Arizona, California, Colorado, Florida, Georgia, Illinois, Indiana, Kansas, Kentucky, Louisiana, Michigan, Minnesota, Missouri, Nevada, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, and Utah. The new plans are underwritten by Nationwide Life Insurance Company in Columbus, Ohio.

Additionally, Beam has expanded its accident, hospital indemnity, and voluntary life benefit plans across more states, providing a wider range of coverage options to help ease the burden of unexpected, out-of-pocket medical bills for employees.

Brokers and employers interested in learning more about Beam’s robust portfolio of ancillary benefits should contact their Beam representative or click here for additional information.

About Beam Benefits 

Beam Benefits is a digitally-native employee benefits company that offers dental, vision, life, disability, and supplemental health coverage for employers of all sizes. Beam simplifies and modernizes the $100+ billion ancillary benefits industry through its intuitive online platform, self-service tools, AI-powered underwriting, and thoughtful coverage for improved overall wellness. Its Beam Perks™ program offers incentives to members and rewards them for healthy behaviors. Beam has raised over $160 million in funding and is available in 44 states across the U.S. Learn more at

1 Voluntary life coverage is available in AL, AZ, CA, CO, FL, GA, ID, IN, IL, KS, KY, LA, MI, MN, MO, NV, OH, OK, OR, PA, SC, TN, TX, UT

Supplemental health (Accident, Hospital Indemnity, and Critical Illness) coverage is available in AL, AZ, CA, CO, FL, GA, IL, IN, KS, KY, LA, MI, MO, NV, OH, OK, OR, PA, SC, TN, TX and UT.

Accident and Critical Illness coverage available in MN

Hospital Indemnity and Accident coverage available in WA and ID

Voluntary Life, Accident, Hospital only Indemnity Critical Illness (effective 5/1/23) insurance products are underwritten by Nationwide Life Insurance Company, Columbus, OH, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA) and administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC in Texas). Product availability may vary by state. Program restrictions and exclusions apply.

Accelerated Death Benefit is not available in the state of CA.

Nationwide and Beam Insurance Services LLC are separate and a non-affiliated companies.

Nationwide Life Insurance Company, One Nationwide Plaza, Columbus, OH 43215

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