Group life insurance pays a benefit to an employee's loved ones if they pass away, helping cover everyday expenses, debts, and the financial gap a family faces in a difficult time. Offered through the workplace, it's one of the most appreciated benefits an employer can provide — and often available at group rates that would be hard to match individually.
Coverage usually starts with a base amount the employer provides, with options for employees to buy additional protection for themselves and their families. Because the group qualifies as a whole, employees can typically enroll with little or no medical underwriting up to set limits.
We structure the right mix of employer-paid base coverage and voluntary buy-up, and we press carriers for the highest guarantee-issue amount so employees can enroll without medical exams. When the worst happens, we step in on the family's behalf to move the claim through quickly and with care — the part of this benefit that matters most.
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