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Voluntary benefits are additional perks or insurance options offered by employers that employees can choose to purchase at their own expense, often at group rates. These benefits can include:

1. **Supplemental Health Insurance**: Covers gaps in regular health insurance, like dental, vision, or critical illness coverage.

2. **Life Insurance**: Additional life insurance coverage beyond employer-provided basic life insurance.

3. **Disability Insurance**: Short-term or long-term coverage if you're unable to work due to illness or injury.

4. **Accident or Hospital Insurance**: Provides financial support for unexpected accidents or hospital stays.

5. **Legal or Identity Theft Protection**: Offers services to help with legal matters or identity theft issues.

Voluntary benefits give employees more flexibility and protection, often at lower group rates, and are typically deducted from paychecks.

When selecting life insurance, consider these key factors:

1. **Coverage Amount**: Choose a policy that provides enough to cover your debts, living expenses, and future needs (e.g., education, retirement).

2. **Type of Insurance**: 

   - **Term Life**: Offers coverage for a specific period (e.g., 10, 20, or 30 years) and is usually more affordable.

   - **Whole Life**: Provides lifelong coverage and builds cash value over time, but is more expensive.

3. **Premiums**: Make sure the premiums are affordable within your budget, both now and in the long term.

4. **Insurance Provider**: Check the company's financial stability, customer service, and claims process. Look for reviews and ratings from independent agencies.

5. **Riders and Add-ons**: Consider additional features like accidental death benefits or disability riders, which may be useful based on your needs.

6. **Health and Lifestyle**: Your health, age, and lifestyle factors (e.g., smoking or occupation) will impact your premiums.

Choosing the right policy ensures your loved ones are financially secure if something happens to you.