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Benefits
‍simplified

Dental, vision, life, disability, and
supplemental health.

Our plans are easy to understand,
easy to implement, and even easier to use.

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Meet Beam

Smarter employee benefits

We’re simplifying employee benefits for today's workforce.

Hospital indemnity

Critical illness

Hospital indemnity

Critical illness

Beam for brokers

A seamless process from start to finish

Beam is modernizing ancillary employee benefits from quoting through implementation—and beyond.

Digital quoting for customized^## and competitive rates

Self-service tools for instant access to the info you need

Robust bundles^‡ including dental, vision, life, disability, and supplemental health

Rapid implementation, helpful support, and Perks* for groups and members earned with our smart Beam Brush

Beam for members

Make the most of your benefits

We give you the coverage you need when you need it.

See all member resources

Plans that are easy to understand and easy to use

Online access to coverage and plan information 24/7

Real rewards^# for positive wellness habits through
Beam Perks*

Knowledgeable support
from a team of real people when you need it most

**

Dental and vision insurance products underwritten by National Guardian Life Insurance Company (NGL), Madison, WI, marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA). Group dental policy form number NDNGRP 2020 and group vision policy form number NVIGRP 2020. Dental and vision products underwritten by Nationwide Life Insurance Company, Columbus, OH in NY, DE, ID, LA, UT, OH, TX, NM, NH, NC (dental only) and NV (vision only). Dental coverage applicable to policy form GDTL AO L20, or state equivalent and vision policy form GVIS AO L20, or state equivalent. Dental and vision products administered by Beam Insurance Administrators LLC (Beam Dental Insurance Administrators LLC, in Texas). Vision insurance products underwritten by Vision Service Plan (VSP) in WA. Vision insurance products administered by Vision Service Plan Insurance Company. Life insurance product is 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). Life and AD&D coverage applicable to policy form GLIF AO L20, or state equivalent. Life product is not available to members living in Puerto Rico and product availability may vary by state. Program restrictions and exclusions apply. Accident, Hospital only Indemnity, and Critical Illness 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). Accident coverage applicable to policy form GCAS AO L20, or state equivalent, Hospital policy form GHOI AO L20, or state equivalent and Critical Illness policy form GCI AO L20, or state equivalent. Products not available in all states.

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THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

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National Guardian Life Insurance Company, Madison, WI, is not affiliated with The Guardian Life Insurance Company of America, a.k.a. The Guardian, or Guardian Life.

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

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National Guardian Life Insurance Company, Two East Gilman, Madison, Wisconsin 53703

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

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Vision Service Plan Insurance Company, 3333 Quality Drive Rancho Cordova, CA 95670

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Short-term disability and long-term disability insurance products are underwritten by Hartford Life and Accident Insurance Company and marketed by Beam Insurance Services LLC (Beam Benefits Insurance Services LLC, in CA).

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DHMO dental product available in CA, underwritten and administered by California Dental Network, marketed by Beam Insurance Services LLC. Beam Perks™ and Beam Perks rewards program not available for DHMO product members.

*

Beam Perks™ is provided by Beam Perks LLC. Eligible members age 4 and up at the time of enrollment are eligible to receive Beam Perks™ and must select their Beam Brush color within 45 days of enrollment to participate. If you do not have a mobile device you can obtain Beam Perks™ by contacting Customer Operations at 1-800-648-1179. Beam Perks™ can be obtained separately without the purchase of an insurance product by contacting Customer Operations at 1-800-648-1179. Beam Perks™ may be changed at anytime without notice and is subject to availability. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for Terms and Conditions.

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Beam Perks™ is a voluntary program. The information provided under this program is for general informational purposes only and is not intended to be nor should be construed as medical advice. You should consult with an appropriate health care professional to determine what may be right for you. Rewards may be taxable. You should consult with an appropriate tax professional to determine if you have any tax obligations from receiving rewards under this program. If any fraudulent activity is detected (e.g., misrepresented brushing activity), you may be suspended and/or terminated from the program. If you are unable to meet a standard related to health factor to receive a reward under this program, you might qualify for an opportunity to receive the reward by different means. Contact us at 1-800-648-1179 and we will work with you (and, if necessary, your doctor) to find another way for you to earn the same reward. Availability and rewards may be limited due to incentive limits under applicable law. See https://www.beambenefits.com/legal/beam-perks-terms-and-conditions for full program Terms and Conditions.

‡

There is no discount associated with the bundling of products.

¶

Access points and providers based on data comprised of the following networks as of November 2022; Dental Benefit Providers (DBP), Careington, DenteMax Plus, Connection Dental, Maverest, First Dental Health, and Beam Direct. Refer to your dental insurance card for live networks in your state.

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Pricing customization may vary based on plan and state specific limitations.

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