Employee Group Insurance Services

Welcome to the online home of Pearl Benefits!

We offer a wide range of benefit services, designed to help businesses protect their employees.

Pearl has access to multiple plans, carriers, and insurance companies—allowing us to be your one-stop -shop for the customized benefit solutions your business requires.

We'd love to chat! Complete this brief form, and we'll contact you to discuss customized portfolio options designed specifically for your organization.


Talk to Us

Interested in discovering what we can do for your business?

Let's talk!


Pearl Benefits offers a wide selection of group health insurance products. We're connected to many different carriers, allowing us plenty of flexibility in customizing a coverage plan that fits your organization's needs.

  • Cobra Administration
  • Employee Assistance Program
  • ERISA Compliance
  • FMLA Administration
  • Payroll
  • Vision
  • Voluntary Life
  • Dental
  • Flex/Cafeteria Plans
  • Group Life
  • Group Long-Term Disability
  • Group Short-Term Disability
  • Group Medical—Fully Insured
  • Group Medical—Self-Funded
  • Health Reimbursement
  • Arrangement (HRA)
  • Health Savings Account (HAS)
  • Retiree Medical
  • Mobile-based health care app

Voluntary Products

Did you know? The following benefits are available for individuals on a voluntary basis:

  • Voluntary Life Insurance
  • Voluntary Accident Insurance
  • Voluntary Cancer Insurance
  • Voluntary Critical Illness Insurance
  • Voluntary Short-Term Disability Insurance

Who We Are

Pearl Benefits has been helping Central Illinois businesses build and understand customized employee benefit programs for over 30 years.

Today, we manage a multitude of employer benefit programs by working with many highly rated providers throughout the country to offer you tailored insurance options. Not only do we provide the right coverage for the right price, we also have one of the best customer service teams in the industry. Our bright and friendly employees will help you through every step of the process.

Let's Talk

Answer these quick questions, and we'll reach out within 48 hours to let you know how we can help!

Meet Your Rep

Tammy Riddle
Director of Administration