Skip to Content

Group Life Insurance

How does group life insurance support your employees and their families?


 Group life insurance is a benefit offered by employers that provides financial protection to an employee’s beneficiaries in the event of their death. Typically available at little or no cost to the employee, it offers coverage as either a flat amount or a multiple of the employee’s salary. Because it's part of a group plan, the premiums are generally lower than individual policies, and medical exams are often not required. In some cases, employees can purchase additional coverage for themselves or their dependents. However, this coverage usually ends when employment does, unless there's an option to convert it to an individual policy.



What you see is what you get

Today’s employees are looking for more than just a paycheck—they want security, support, and a workplace that invests in their future.

Offering group benefits is a smart way to meet those expectations. While health and dental insurance are standard, life insurance is a benefit that’s often underestimated. By including group life coverage in your offerings, you’re not just protecting your employees—you’re showing that their families matter, too.





Insurance Types


  • Term Insurance  10-30yr Group term life insurance is an employer-provided benefit that offers life insurance coverage to employees for a set period, typically during their employment. It provides a death benefit to the employee’s chosen beneficiaries at no or low cost, often without requiring a medical exam.
  • Permanent / Whole Life  Lifelong Coverage Group permanent life insurance, also known as whole life, is an employer-sponsored benefit that provides lifelong coverage with a guaranteed death benefit. It also builds cash value over time, which employees may borrow against or use in the future.
  • Indexed Universal Life Lifelong Coverage Group indexed universal life insurance is a permanent, employer-sponsored policy that offers flexible coverage and builds cash value based on the performance of a market index. It combines life insurance protection with potential for tax-deferred cash growth.
person holding baby feet

Insurance Types 

  • Universal Life Lifelong Coverage Group universal life insurance is an employer-sponsored permanent life insurance plan that offers flexible coverage and the ability to build cash value over time. Employees can adjust their premiums and coverage levels to fit their needs, with the added benefit of lifelong protection.
  • Variable Life Lifelong Coverage Group variable life insurance is a permanent life insurance benefit offered through employers that combines flexible coverage with investment options. It allows employees to allocate cash value into various investment accounts, offering growth potential along with lifelong protection—though the value may fluctuate based on market performance.
  • Funeral Insurance Lifelong Coverage Group funeral insurance is an employer-sponsored benefit that gives employees the option to pre-arrange their funeral and pay for it over time. This planning ensures peace of mind for both the employee and their family—eliminating financial stress and leaving no funeral expenses behind.

Why is Life Insurance a Neccessity?​  


Life Insurance: Protection, Flexibility, and Peace of Mind

Life insurance isn’t just for those with dependents—it’s a smart financial tool for many. For families, it provides crucial protection, covering funeral costs and preventing financial hardship. For business owners, it can fund a partner’s buyout in the event of death, ensuring continuity.

Even without dependents, permanent life insurance can offer long-term value. Some policies build cash value you can borrow from or withdraw in retirement, adding financial flexibility.

It’s also a way to leave a legacy—whether by supporting a cause you care about or easing the tax burden on your heirs.

Death is inevitable. Life insurance helps ensure your loved ones won’t be left with the bill—and gives you peace of mind knowing they’re protected.