Disability, Life, AD&D, Cancer And Specified Disease Insurance

Insurance Plans For Independent Business Route Owners

JLP & Associates offers an insurance benefit program specifically designed for  the Franchise Owners that contract with subsidiaries of Flowers Foods, Inc. Our  insurance program offers Short and Long Term Disability, Basic  Life/Accidental Death & Dismemberment (AD&D) and Cancer/Specified  Disease plans.

JLP & Associates is your settlement deduction insurance provider for these  products. Currently we have over 4,000 Franchise Owners who participate in  our program. In 2016 the program paid over $3,000,000 in disability claims and  $150,000 in life insurance claims.


The Disability insurance plan provides 24-hour coverage should you get sick or  injured and are unable to work. The Disability benefit will pay you a benefit in  the amount of $600 per week (some locations offer another higher weekly  benefit amount option) and a benefit maximum of 3 years to supplement your  loss of income. This insurance program also includes a $50,000 Life/AD&D  benefit and a Cancer/Specified Disease benefit.

The Disability and Life/AD&D benefits are packaged together and insured by  the Hartford Insurance Company. Your Disability and Life/AD&D benefits  Include:

  • 24-hour coverage on or off job
  • Loss of Income replacement for accidental injury and/or sickness • Benefits start on the 8th day for accidental injury & on the 14th day for sickness
  • Benefit Duration – 3 years
  • Flat $50,000 Life Insurance benefit amount
  • Additional amount of $50,000 for an Accidental Death & Dismemberment claim

The Cancer/Specified Disease benefit is insured by Humana Insurance  Company. You may consider adding this plan to your Disability and  Life/AD&D package. The Cancer/Specified Disease benefit works in addition  to your disability and/or health benefits. Examples of a few of the benefits  payable under this plan are:

  • Initial Cancer Diagnosis Rider – $2,500 (excluding skin cancer other than melanoma)
  • Surgery up to $3,000
  • Hospital confinement of $300 per day (no limit on number of days) • Radiation and Chemotherapy of up to $2,500 per month
  • Wellness Benefit Rider up to $50 per person/per year such as mammogram, pap smear, colonoscopy, chest x-ray and many more benefits….

Please refer to our guide below for a detailed  description of the benefits and settlement deduction cost.

2021 Disability, Life & Cancer Insurance Guide

If you wish to enroll or need information regarding the products offered within  our program please call and ask to speak with:


JLP & Associates

Erica Skog

844.573.8089 Ext.1003

Email: Erica@jlpint.com

Mary Jakeway

844.573.8089 Ext. 1002

Email: Mary@jlpint.com


Monday through Friday 8:00 am—5:00 pm EST


Disability Insurance

Life/Accidental Death & Dismemberment Insurance Cancer/Specified Disease Insurance


Customer Service, Q&A, Claims, Administration & Consulting


(844) 573-8089



How to report a claim or problems you handle:

Please contact JLP & Associates directly and speak with Erica Skog or Mary  Jakeway 

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