Register Now for Exclusive Colonial Life Benefits!
Colonial Life understands how disruptive it can be when the unexpected happens. That is why the ALA has partnered with Colonial Life, to support the ever-changing worlds of our Lash Artists and their families.
Insurance for Lash Artists
There is no “official” insurance option for the beautyprenuer, and many lash artists often go without insurance. Almost nobody talks about life insurance at all, and instead of being a necessity, insurance is discussed like a luxury.
It’s almost like lash artists think that insurance benefits are for people with “real jobs”, but guess what? Being a lash artist is a REAL JOB! The American Lash Association wants you to have the same resources that other career paths have.
This includes giving our member’s access to insurance planning webinars, and access to discounted supplemental insurance options through our new group partner: Colonial Life.
Protect Your Way of Life with Colonial Life
You never know when an unexpected illness or injury could leave you and your family with financial difficulties. Health insurance can help, but you can still have deductibles, co-payments, and other out-of-pocket expenses. This is where voluntary benefits come in.
Sometimes called supplemental insurance, voluntary benefits are designed to complement your health insurance and help provide extra financial protection.
This year, ALA is helping our members protect their way of life by providing them with the opportunity to purchase the following voluntary benefits from Colonial Life:
Accident Insurance
Accidents can happen to anyone. Accident insurance from Colonial Life provides financial protection to help with expenses resulting from a covered accident. This coverage can help you focus on healing without the added stress of unexpected costs.
Coverage Includes:
• Benefits payable based on the injury and treatment.
• No medical questions or physical exams for basic coverage.
• Covers on-the-job and off-the-job injuries.
• Coverage available for you, your spouse, and eligible children.
Cancer Insurance
If you were diagnosed with cancer, expenses beyond your medical insurance could arise. Cancer insurance helps cover costs like out-of-network treatment, child care, home health care services, and more.
Coverage Includes:
• Options available for you, your spouse, and eligible dependent children..
• Benefits paid regardless of other insurance.
• Use benefits for travel, lodging, meals, deductibles, or any other expenses.
• Optional riders for additional financial protection.
Critical Illness Insurance
Critical illness insurance provides a lump-sum benefit to help cover costs related to a covered critical illness, such as heart attack or stroke. This coverage supplements your major medical coverage.
Coverage Includes:
• Benefits paid directly to you.
• Additional benefits for multiple critical illnesses.
• Coverage options for you, your spouse, and eligible dependent children.
Disability Insurance
Disability insurance helps protect your income if a covered accident or sickness prevents you from working. This coverage provides a monthly benefit to help cover ongoing expenses while you recover.
Coverage Includes:
• Choose your benefit amount, subject to income.
• Benefits paid regardless of other insurance.
• Direct payments to you to use as needed.
Hospital Confinement Indemnity Insurance
Hospital confinement indemnity insurance helps with rising healthcare costs by covering expenses not covered by health insurance. Focus on recovery, not finances.
Coverage Includes:
• Benefits paid directly to you.
• Coverage available for you, your spouse, and eligible dependent children.
• Benefits paid regardless of other insurance.
Term Life Insurance
Term life insurance provides coverage for a specified period, offering the greatest amount of coverage for the lowest initial premium. It’s ideal for life stages with higher obligations, like raising children.
Coverage Includes:
• Tax-free benefit to the beneficiary.
• Accelerated death benefit for terminal illnesses.
• Convertible to a permanent cash value plan without proof of good health.
Whole Life Insurance
Whole life insurance offers lifelong guarantees, including cash value accumulation, level premium, and a death benefit. This coverage helps protect your family's way of life.
Coverage Includes:
• Tax-free life insurance benefits for the beneficiary.
• Opportunities to purchase additional coverage without proof of good health.
• Accelerated death benefit for terminal illnesses.
• Immediate claim payment advance to the designated beneficiary.
Dental Insurance
Dental insurance covers a wide range of treatments and pays a fixed benefit amount for covered procedures. This helps manage the cost of regular dental care and more advanced treatments.
Coverage Includes:
• Freedom to choose any dentist with the same benefit amounts.
• Discounted services with network dentists.
• Immediate benefits for routine cleanings and X-rays.
• No deductibles, pre-certification, or co-insurance.
Enrollment and Benefits Counseling
Colonial Life understands how disruptive the unexpected can be, and that's why employees have relied on them since 1937. Supplemental and voluntary insurance will vary based on your state, age, and other factors. To help you navigate these options, benefits counselors are available to simplify complex benefit concepts, answer questions, and walk you through the enrollment process.
Contact Your Benefits Counselor: Talk with your benefits counselor during enrollment to get tailored benefit recommendations and comprehensive information about the benefits offered.
Enrollment Process:
- Take the Quiz – Walk through a series of questions to determine which benefits best suit you.
- Schedule a Time – Meet with your benefits counselor to choose the benefits right for you and your loved ones.
To Enroll: You must be an ALA Member. Current members can sign-in and schedule a call with a Colonial Benefits Counselor.
