Insurance Coverage for Life’s What-Ifs
Explore voluntary insurance options designed to support different life stages, budgets, and priorities
NuSpark InsuranceSave
What It Is:
NuSpark InsuranceSave is a voluntary insurance access solution that helps employees explore and enroll in optional protection products that complement their core benefits.
The program is delivered through a secure, white-labeled insurance marketplace powered by a vetted solution partner and supported by licensed insurance professionals. Employees can compare options, access educational resources, and choose coverage that fits their needs, life stage, and budget.
For employers, NuSpark InsuranceSave expands the benefits offering without increasing costs, managing plans, or taking on compliance responsibility.
1. General Summary with Profit Impact
NuSpark InsuranceSave is a voluntary insurance access solution that gives employees optional access to supplemental and lifestyle protection products that complement their core benefits.
The program is delivered through a secure, white-labeled marketplace supported by licensed insurance professionals. Coverage is employee-paid and employer-facilitated, with no plan sponsorship, payroll changes, or benefits restructuring required.
Profit impact comes from improving retention, perceived benefits value, and employee confidence—without increasing employer benefit costs or internal workload.
2. Why a Business Leader Should Care
Employees want flexibility and choice in how they protect themselves and their families.
• Expands benefits offerings without increasing employer spend
• No employer-sponsored plans, contracts, or liability
• Supports workforce stability and retention
• Enhances total rewards positioning in competitive labor markets
• Keeps insurance complexity out of the organization
NuSpark InsuranceSave adds value without adding cost or risk.
3. For HR Leadership
NuSpark InsuranceSave gives HR a compliant, low-effort way to offer more.
• Employee-paid, voluntary coverage only
• No disruption to existing benefits or broker relationships
• Education and enrollment handled by licensed partners
• Scales across locations, workforce types, and life stages
HR enables access—partners handle the complexity.
4. Behind the Solution
NuSpark InsuranceSave is delivered through a vetted solution partner that manages carrier relationships, product availability, compliance, education, and enrollment support.
NuSpark Profit oversees positioning, partner coordination, and rollout to ensure a smooth launch and minimal HR involvement. Under the direction of Paul Mosenson, NuSpark InsuranceSave provides a scalable, voluntary insurance solution that strengthens retention and benefits perception while keeping administration simple and predictable.
Why NuSpark InsuranceSave?
Because offering voluntary insurance shouldn’t be expensive—or complicated.
NuSpark InsuranceSave gives organizations a straightforward way to expand access to protection options without adding overhead, administrative burden, or compliance risk.
Here’s what makes NuSpark InsuranceSave different:
Access to Optional Insurance—Offered the Right Way
• Employees gain access to a curated set of voluntary insurance and protection options
• Delivered through a secure, white-labeled marketplace
• Designed to complement—not replace—core employer benefits
Employer-Safe by Design
• Employee-paid, voluntary coverage only
• No employer-sponsored plans or carrier contracts
• No payroll changes or benefits administration
• Keeps liability and complexity outside the organization
Flexible for Any Workforce
• Works for full-time, part-time, hourly, and contract employees
• Suitable for associations, unions, and member-based organizations
• Scales across locations, roles, and life stages
Education and Support Built In
• Clear explanations to help employees understand their options
• Access to licensed professionals for guidance and enrollment
• Tools that help employees choose coverage that fits their needs and budget
Meaningful Protection Without Budget Impact
• Employees value choice and peace of mind
• Organizations strengthen total rewards perception
• Retention and goodwill improve without increasing costs
Book a discovery call with Paul Mosenson
Auto Insurance
Get help comparing auto insurance options with licensed advisors who do the work for you.
Key benefits
• Quotes from 30+ top-rated insurance carriers
• One-on-one support from U.S.-based, licensed advisors
• Simple process with no shopping or comparison required
• Rates vary based on vehicle, driving history, location, and coverage selected
Bottom line
Auto Insurance through NuSpark InsuranceSave helps employees review and compare auto coverage with expert support—without added hassle.
Home Insurance
Review coverage for one of your biggest assets. Get help comparing home insurance options with licensed advisors who handle the research and quoting for you.
Key benefits
• Quotes from 30+ top-rated insurance carriers
• One-on-one support from U.S.-based, licensed advisors
• Simple process with no searching or comparison required
• Rates depend on home location, property details, coverage limits, and claims history
Bottom line
Home Insurance through NuSpark InsuranceSave helps employees compare coverage options for their home with expert guidance—without added effort.
Life Insurance
Help protect the people who depend on you. Life insurance provides financial support for your family if something happens to you, helping cover everyday expenses and long-term obligations.
Key benefits
• Options for term or permanent life insurance coverage
• Coverage amounts and costs based on age, location, and coverage selected
• Often available without a medical exam, depending on eligibility
• Coverage can continue beyond your current employer
Bottom line
Life Insurance through NuSpark InsuranceSave helps employees put financial protection in place for their families—on their own terms and timeline.
Pet Insurance
Plan for veterinary costs—routine and unexpected. Pet insurance helps offset the cost of veterinary care, from emergency treatment to ongoing health needs, so pet owners can make care decisions without financial pressure.
Key benefits
• Helps cover emergency vet visits, surgeries, and medical treatment
• Optional coverage for routine care such as exams, vaccinations, and preventative services
• Support for chronic and long-term conditions, depending on the policy
• Coverage terms vary based on pet species, breed, age, and selected plan
Bottom line
Pet Insurance through NuSpark InsuranceSave helps employees manage veterinary expenses and protect their pets’ health with coverage choices that fit their needs and budget.
Renters Insurance
Protect your belongings and personal liability. Renters insurance offers affordable protection for personal property and liability while renting a home or apartment.
Key benefits
• Helps cover personal belongings against theft, fire, and certain types of damage
• Liability protection for accidental damage or injuries within the rental unit
• Optional coverage for pet-related damage, depending on the policy
• Coverage terms and pricing depend on location, coverage limits, and selected options
Bottom line
Renters Insurance through NuSpark InsuranceSave helps employees meet lease requirements and protect their belongings with simple, budget-friendly coverage options.
Accident Insurance
Extra financial protection when injuries happen. Accident insurance helps offset out-of-pocket costs after an injury, covering expenses that health insurance may not fully pay for during treatment and recovery.
Key benefits
• Helps cover deductibles, copays, and other injury-related medical costs
• Provides added financial support during recovery periods
• Complements existing health insurance, including high-deductible plans
• Coverage and benefits depend on the type of accident and policy selected
Bottom line
Accident Insurance through NuSpark InsuranceSave helps employees manage unexpected injury-related expenses without disrupting their primary health coverage.
Critical Illness Insurance
Financial support when serious illness strikes. Critical Illness Insurance provides added financial protection if you’re diagnosed with a covered serious illness, helping manage costs that health insurance may not fully cover.
Key benefits
• Provides a lump-sum benefit after diagnosis of a covered condition
• Helps cover deductibles, copays, lost income, and non-medical expenses
• Complements existing health insurance, including high-deductible plans
• Coverage and benefit amounts depend on the illness and policy selected
Bottom line
Critical Illness Insurance through NuSpark InsuranceSave helps employees reduce financial strain during major health events so they can focus on recovery, not expenses.
Dental Insurance
Dental insurance helps reduce out-of-pocket costs for routine, major, and emergency dental services—supporting ongoing oral health for individuals and families.
Key benefits
• Helps cover preventive care such as exams, cleanings, and basic services
• Support for major dental procedures that can become costly
• Coverage for unexpected dental emergencies
• Coverage details and costs depend on services used and plan selected
Bottom line
Dental Insurance through NuSpark InsuranceSave helps employees maintain oral health and manage dental expenses with predictable coverage options.
Extended Care Coverage
Plan for long-term care needs and aging-related expenses. Extended Care Coverage helps address costs associated with chronic illness, cognitive decline, or the need for ongoing assistance—expenses often not covered by health insurance or Medicare.
Key benefits
• Helps cover costs for in-home care, assisted living, or facility-based care
• Provides financial support for custodial and long-term care needs
• Offers flexibility in how benefits can be used, depending on the policy
• Coverage availability and benefits depend on age, health, and plan selected
Bottom line
Extended Care Coverage through NuSpark InsuranceSave helps employees prepare for long-term care needs while protecting savings and reducing future financial strain.
Accidental Death & Dismemberment (AD&D) Insurance
Financial protection in the event of a serious accident. AD&D Insurance provides a lump-sum benefit if a covered accident results in death or specific severe injuries, helping protect loved ones from sudden financial impact.
Key benefits
• Pays a lump-sum benefit for accidental death or qualifying injuries
• Benefits may apply to loss of limbs, eyesight, or other covered injuries
• Can complement existing life and health insurance coverage
• Coverage terms and benefit amounts depend on the policy selected
Bottom line
AD&D Insurance through NuSpark InsuranceSave helps employees add an extra layer of financial protection for accident-related events without replacing core coverage.
Hospital Indemnity Insurance
Extra financial support during hospital stays. Hospital Indemnity Insurance provides cash benefits when you experience a covered hospital stay or emergency room visit, helping manage expenses that health insurance may not fully cover.
Key benefits
• Pays fixed cash benefits for covered hospital admissions or ER visits
• Helps offset deductibles, non-covered medical costs, and everyday expenses
• Provides financial support during time away from work
• Benefits and eligibility depend on the type of visit and policy selected
Bottom line
Hospital Indemnity Insurance through NuSpark InsuranceSave helps employees manage the financial impact of hospital stays and emergency care without disrupting their primary health coverage.
Important Information
NuSpark InsuranceSave provides access to voluntary, employee-paid insurance options through third-party, licensed insurance professionals and solution partners.
• NuSpark does not provide insurance, underwriting, or legal advice
• Coverage availability, eligibility, pricing, and benefits vary by product, location, and individual circumstances
• All insurance products are subject to carrier terms, conditions, and approvals
• Employers do not sponsor, endorse, or administer insurance plans offered through this platform
• Participation is completely optional and independent of employment
Employees are encouraged to review plan details carefully and consult licensed advisors to determine which coverage options are appropriate for their needs.
Explore Voluntary Insurance Options—Without Added HR Work
NuSpark InsuranceSave makes it easy to offer employees access to voluntary insurance that complements existing benefits—without payroll changes, plan administration, or employer liability.
NuSpark Profit coordinates the rollout, education, and marketing, then connects employees directly with licensed advisors from our solution partner. Advisors handle questions, plan explanations, and enrollment.
Coverage is optional and employee-paid. Employers remain facilitators only.
Review available options or let us help you introduce the program to your team—simply, clearly, and without added burden.
Book a discovery call with Paul Mosenson
About Our Insurance Solution Partner
About Our Insurance Solution Partner
NuSpark InsuranceSave is delivered through a vetted insurance marketplace partner that specializes in voluntary, employee-paid protection solutions.
• Works with licensed insurance professionals and approved carriers
• Curates a broad range of supplemental and lifestyle insurance options
• Manages product availability, education tools, and enrollment workflows
• Ensures regulatory compliance, privacy, and data security
• Provides ongoing support for employees exploring coverage options
This partner-led model allows employees to access guidance and protection choices while keeping employers out of insurance administration, plan management, and compliance responsibilities.
More Available Through the NuSpark Profit Retention Marketplace
Additional programs are available to support financial stability, well-being, and workplace operations. Options fall into three categories.
Voluntary Benefits (Employee-Paid)
CreditLift – Credit-building support using everyday payments
LegalSupport – Affordable legal assistance for personal matters
FreshStart – Financial education and money guidance
Perks – Everyday discounts and savings
WellBeing – On-demand wellness and lifestyle resources
Employer-Sponsored Benefits
EmergaSave – Emergency savings program offered by employers
TuitionHelp – Employer-funded student loan support
People Ops (Employer Services)
People Ops – HR, payroll, benefits, and compliance support
Availability varies by employer. NuSpark Profit coordinates access and introductions.