FORCE works on the basis of voluntary payroll deduction. To begin with, the sales presentation takes place during the business day. With jam packed schedules and never enough time, people always find it easy to postpone what they consider as non-vital activities – like getting insurance! Unfortunately, too often, tomorrow never comes, and an unforeseen event does. Voluntary payroll deduction allows your employees to take the right steps today, so they don't have to "worry" about tomorrow.

Additionally, as the name implies, the premiums are automatically deducted from employees’ pay cheques. Without having to write a cheque up front, the buying experience becomes relatively painless. For them, it’s one less bill to have to remember to pay, each month. And for you, it’s financially secure employees with raised morale.

Advantages for the Employer

No direct costs: This voluntary program incurs no direct fees at set up.

Boost employee loyalty: These programs can help boost employee morale and may help increase employee loyalty and retention.

No-hassle administration: With case issuing, customer service and policy changes all done by MetLife, the program is easily implemented with limited administration.

Exclusive tie-up: Employees appreciate the opportunity to purchase products that might otherwise not be offered to them.

Portability: If an employee leaves the organization then he/she can take the plan with them without losing its benefits and continue to pay through direct debit.

Advantages for the Employee

Access: Ability to purchase personal insurance at work.

Choice: Choice of coverage amounts that meet individual and family needs.

Convenience: Premiums deducted straight from employee’s salary.

Individual ownership: Policy stays with them even if they leave the company.

Multiple policies: Employees may purchase insurance coverage on their spouse, children or grandchildren.