Group Life Insurance.

Protecting your employees and their families.

Life insurance is more than a benefit. It’s peace of mind for employees knowing their loved ones are financially protected if the unexpected happens. Offering group life insurance strengthens your benefits package, helps with recruiting and retention, and shows that you care about the people.

Why Offer Group Life Insurance?

  • Affordable protection: Rates are typically lower than individual policies.

  • Easy enrollment: No medical exams required for basic coverage.

  • Flexible options: Employers can cover the full premium, share cost, or offer voluntary plans.

  • Employee peace of mind: Families are covered during life’s most difficult moments.

  • Competitive edge: Attract and retain talent by offering a full benefits package.

What’s Included?

  • A base level of coverage (often 1x salary or a flat dollar amount).

  • Supplemental options employees can purchase for extra protection.

  • Accidental death & dismemberment (AD&D) benefits for additional security.

  • The ability to convert coverage if an employee leaves the company.

Employer Benefits

  • Strengthens your overall benefits offering.

  • Boosts employee loyalty and satisfaction.

  • Life insurance is a cost effective group benefit.

  • Helps support team and their families during critical times.

Employee
Benefits

  • Guaranteed coverage (no medical underwriting for basic plans).

  • Option to buy extra coverage for themselves and their families.

  • Financial security for loved ones in case of tragedy.

  • Convertible if employment status changes.

Things to Keep in Mind

  • Coverage amounts and eligibility rules vary by carrier.

  • Supplemental coverage often requires employee contributions.

  • Some plans include age-based rate increases.

  • Review conversion options so employees know their choices if they leave.

Group Life Insurance FAQs

  • Most plans cover either a flat amount (for example, $25,000 or $50,000) or a multiple of the employee’s annual salary (commonly 1–2x).

  • Yes. Many plans allow employees to buy supplemental coverage for themselves, their spouses, or dependents.

  • Not for the base coverage. Supplemental coverage may require health questions or limits.

  • Most plans offer portability (take the coverage with you) or conversion (switch to individual policy).

  • It’s one of the most affordable group benefits. Usually only a few dollars per month per employee.

  • No. Employers can cover the full premium, share it with employees, or offer voluntary life insurance (employee pays fully).