Group Term Life Insurance

In order to recruit and retain the best people in the marketplace, many employers, including school districts, government entities and health care organizations, are recognizing the need to provide the most basic of coverage to employees – term life insurance. At the same time, employees are looking to their employers to offer this coverage as a benefit.

Group Term Life is an annual renewable term life insurance product designed for groups of 10 or more employees.

Group Term Life features the following:

  • Minimum death benefit: $10,000
  • Supplemental employee and dependent coverage available
  • Optional riders and benefits, including Waiver of Premium, Accelerated Death and Accidental Death and Dismemberment
  • Customization of the plan to fit each group's needs
  • Coverage can be converted to an individual policy if an employee changes jobs

Term Select

Group Disability Income Insurance

Our disability plans are available separately but coordinate perfectly for a complete disability income program. Disability Income Insurance is available on an employer-paid basis or an employee-paid voluntary basis.

We have long-term and short-term options.

Group Long-Term Disability

  • Provides a monthly benefit to disabled employees following an elimination period
  • Benefits are provided for both occupational and non-occupational illness or injury

Group Short-Term Disabilitys

  • Weekly benefits payable after an elimination period for up to 26 weeks
  • Benefits are provided for non-occupational illness or injury

Not all products and riders are approved in all states. Complete product and rider details are contained in the respective policy forms for each product and may vary by state.