Life Insurance That Protects What Matters Most
Give your employees peace of mind knowing their loved ones are financially protected, no matter what life brings. We help employers offer life coverage that is simple to set up, easy to understand, and meaningful to the people who receive it.
What Is Life Insurance?
Life insurance provides financial support to an employee’s family in the event of their passing. It can help cover everyday living expenses, outstanding debts, education costs, and more — offering stability during difficult times.
Flexible, Reliable Coverage Options
Support That Goes Beyond the Workplace
We Make It Simple — and Meaningful
Life insurance helps employees feel secure, knowing their families will be supported financially if the unexpected happens. For employers, it’s a powerful way to show care, build trust, and strengthen your overall benefits offering.
FAQs
A common starting point is one to two times an employee's annual salary in employer-paid basic life coverage. From there, employees can often purchase voluntary supplemental coverage to bring their total up to three to five times their salary. We help you set a baseline that fits your budget and your team.
Yes. Most group life plans include a voluntary life component that allows employees to purchase additional coverage for themselves and, in some cases, their spouse and children. Employees pay the premium for the additional coverage, usually through payroll deduction at group rates.
The IRS allows up to fifty thousand dollars of employer-paid group term life insurance to be provided tax-free to employees. Coverage above that threshold is considered imputed income and is taxable. We explain how this works during setup so there are no surprises at tax time.
In most cases, no. Group life insurance is typically issued on a guaranteed basis up to a certain coverage amount, meaning employees do not need to provide evidence of insurability to enroll. Coverage above the guarantee issue limit may require a health questionnaire or exam.
Most group life plans include a portability or conversion option that allows departing employees to continue coverage on their own. Portability lets them keep the group term policy; conversion allows them to convert it to an individual policy. We explain these options clearly at enrollment.
Let’s Make Your Benefits Work Better
If your current benefits feel confusing, expensive, or unsupported — it’s time for a better approach.
