Picture Your Team Taken Care Of — No Matter What

Protect Your People — and Keep Your Business Running

Picture the loyalty you build when your team sees you've thought about their families. Group life insurance is one of the most valued benefits you can offer — it delivers a tax-free death benefit to an employee’s loved ones and gives everyone the quiet relief of knowing they're covered. Because we're independent, we shop 142+ top-rated carriers to design a plan that fits your budget and your workforce — loyal to you, not one company.

Whether you want basic group term life for everyone, supplemental coverage for your key executives, or voluntary AD&D options, you'll see a clear plan built around your organization.

Group Life Coverage Options

Basic Group Term Life

Think of employer-paid basic term life as the foundation of your benefits package. Typically offered as 1x to 2x an employee’s annual salary, it costs your team nothing and is guaranteed issue during initial enrollment — no medical questions, no exams, no hassle.

The first $50,000 of employer-paid group term life is generally tax-free to employees, making it one of the most efficient benefits you can give — a real win for both you and your people.

Supplemental & Voluntary Life

Some employees will want more, and you can let them choose it. Through simple payroll deduction, your team can add term life on top of the basics — often up to 5x or more of their salary, with simplified underwriting and competitive group rates they couldn't get on their own.

Voluntary AD&D (Accidental Death & Dismemberment) adds another layer of protection for accidents — covering loss of life, limbs, or sight from an accidental injury. It's a low-cost add-on your employees genuinely appreciate.

Key Person Life Insurance

Now imagine losing the one person whose knowledge, relationships, and leadership drive your success — and being financially ready for it. Key person life insurance is a policy your business owns on a key employee’s life. If that person passes away, the business receives the death benefit tax-free, giving you the stability and breathing room to keep running through the transition.

Picture how key person coverage protects you. It can:

• Fund a search for a replacement — recruitment, hiring, and training costs
• Offset lost revenue — while the business adjusts to the loss
• Reassure creditors and investors — showing the business is protected
• Fund a buy-sell agreement — ensuring a smooth ownership transition

We'll help you pinpoint who's truly key to your operations and size the coverage to their role and revenue impact — so you're protected exactly where it matters most.

Portability & Conversion Rights

One question your employees will ask is simple: what happens to my coverage if I leave? You'll be glad to give them a reassuring answer. Most group term life policies include portability and conversion options that let departing employees take their coverage with them.

• Portability: Employees can continue the same group term coverage at the group rate by paying premiums directly.
• Conversion: Employees can convert their group term policy to an individual permanent life policy without medical underwriting.

We'll help you explain these features clearly so your team sees the full value of what you're offering — and feels it.

Frequently Asked Questions