"Cover, Care, Protect and Grow..."

Choosing the right life insurance is important; we make it easy.

Life Insurance

Individual or Group – Permanent or Term?

With a full portfolio of flexible options we enable you to offer the best solution for your employee needs, including easy access of benefits through various means:

  • Accelerated benefits to help terminally ill employees.
  • Strong claims services including express claims processing to help speed up benefit payments

We provide life insurance options to fit your specific needs

  • Our voluntary term life insurance provides a great value for employees who need either a stand-alone policy or added coverage.
  • Our employer-paid basic life insurance helps cover the unexpected, sudden costs associated with a death.
  • Voluntary life insurance allows employees to buy coverage at affordable group rates through the convenience of payroll deduction. And since the employees pay the premiums, there is no direct cost to your company.

Standard Features

  • Flexible benefit designs to meet individual needs
  • Group Coverage: Guaranteed coverage for all employees. Available to employers with 5 or more employees.
  • Individual purchase rights give a terminated employee the opportunity to convert his or her coverage (and spouse and child coverage if elected) to an individual life insurance policy, allowing for continued coverage

Optional Features

  • Accidental Death and Dismemberment (AD&D) coverage provides an enhanced benefit in the case of accidental death or dismemberment.
  • Dependent life insurance can be purchased by your employees to cover the loss of a spouse or child.
  • Accelerated benefits provide a way to help a terminally ill employee maintain health, financial, or personal needs before death.
  • Flexible Waiver of Premium options allow coverage to continue and premiums to be waived if an employee qualifies under this provision.
  • Conversion to an individual life insurance plan is available when the ported group coverage is terminated.