Family First

A workforce is like a family, which is why we advise clients on the advantages of offering employer-sponsored life insurance as a value-added feature of their benefits plan. Generally, life insurance is the least expensive and least complicated type of insurance to offer.

It provides both a tax-free death benefit and financial security for the families of employees if the unexpected were to occur. Unlike the funds from an estate, the benefits from a life insurance policy will go directly to the beneficiaries.

A key component of a group life insurance policy is the non-medical maximum benefit, which is the amount an employee can obtain without any underwriting (the process of medical tests, blood work, etc).

You can allow your employees to purchase additional coverage through payroll deductions and take advantage of underwriting concessions and possible discounted rates.