Group life insurance gives your employees financial protection for their families — at a fraction of the cost of individual policies. It's one of the most affordable benefits you can offer.
Group life provides a death benefit to the employee's beneficiaries. It's simple, affordable, and highly valued by employees with families.
Employer-paid life insurance, typically 1–2x the employee's annual salary.
Employee-purchased additional coverage at group rates — usually without medical underwriting.
Additional benefit paid if death or serious injury results from an accident.
Optional life insurance coverage for employees' spouses.
Small death benefit covering employees' children.
Options for employees to keep their coverage if they leave the company.
Any employer who values their employees' well-being should consider group life insurance. It's inexpensive and shows employees you care about their families.
Basic group life (1x salary) typically costs $5–$15/month per employee, depending on the group's demographics.
No. Group life insurance is guaranteed issue up to certain amounts — no medical exams or health questions for basic coverage.
Yes. Voluntary/supplemental life allows employees to purchase additional coverage at group rates, which are much lower than individual market rates.
Most group life policies offer portability (continued group coverage) or conversion (to an individual policy) options for departing employees.
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