Basic group life
A flat amount or salary multiple can give employees a simple starting point for family protection.
Employer-sponsored life
A foundation of protection for every employee.
We design group life benefits around a clear base amount, employee choice, eligibility, portability, and cost.
What this covers
Life coverage that starts at work.
The right policy starts with the details of how the organization works and what it needs to protect.
Supplemental coverage
Employees may be able to elect added coverage for themselves or eligible family members, subject to plan rules.
Leaving the employer
Portability and conversion provisions affect whether an employee can continue coverage after eligibility ends.
Typically included
What a useful review should include.
We compare the parts together so a lower price does not hide a larger gap.
Benefit formulaEmployee classesGuaranteed-issue amountSupplemental optionsBeneficiary processPortabilityConversionEnrollment supportNot sure? Ask us
Where policies fall short
Where coverage can fall short.
Most problems begin with an assumption that was never checked against the policy.
A benefit too small for the need
Basic group life is a useful foundation, but it may not replace enough income or cover a household’s major obligations.
Employees assume it follows them
Coverage tied to employment can end. Portability and conversion choices need to be explained before a deadline arrives.
Beneficiaries never updated
Life changes, but benefit elections and beneficiary records often remain untouched for years.
Common questions
Questions clients ask first.
Straight answers before a decision is made.
Is group life enough on its own?
It depends on the benefit and the household need. Many employees use it as a base and review individual coverage separately.
Can employees buy more coverage?
Many plans offer voluntary supplemental amounts, sometimes with evidence requirements above a stated level.
What happens when someone leaves?
The plan may offer portability or conversion. We help explain those provisions and the timing stated by the carrier.
Our review
What we review with you.
Benefit formula
Eligibility classes
Guaranteed-issue limits
Supplemental elections
Spouse and child options
Beneficiaries
Portability
Communication
Let’s review group life insurance together.
Bring the current plan or policy. We will explain what it does, identify gaps, and compare the options that fit.