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Life Insurance / Accidental Death and Dismemberment (AD&D)

  • Group Medical
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  • Life Insurance / Accidental Death and Dismemberment (AD&D)
  • Short-Term Disability (STD)
  • Long-Term Disability (LTD)
  • Long-Term Care (LTC)
  • Employee Assistance Program (EAP)
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Home Group Benefits Life Insurance / Accidental Death and Dismemberment (AD&D)
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Life Insurance / Accidental Death and Dismemberment (AD&D)

Group Benefits - Life Insurance / Accidental Death and Dismemberment

Life insurance can be offered by an employer or large-scale entity (i.e. association or labor organization) to its workers or members. Group life insurance is typically offered as a piece of a larger employer or membership benefit package.

By purchasing coverage through a provider on a “wholesale” basis for its members, the coverage costs for each individual worker/member is much less than if they had to purchase an individual policy. Those receiving coverage may not have to pay anything “out of pocket” for policy benefits or they may elect to have their portion of the premium payment deducted from their paycheck.

AD&D

Accidental Death and Dismemberment (AD&D) is a policy that pays benefits to the beneficiary if the cause of death or dismemberment is an accident. This is a limited form of life insurance which is generally less expensive.

PREMIUMS ARE COLLECTED FOR THE ENTIRE GROUP, AND YOUR INSURANCE AMOUNT IS GENERALLY BASED ON EITHER:

A flat amount of coverage; or

Multi-price

For example, a death benefit might be equal to one or two years’ salary.
Evidence of good health generally is not required to obtain coverage. You and your employer may share the cost of coverage, or your employer may pay the entire amount; however, if you share the cost with your employer, your contribution may be deducted from your pay (with your consent). Benefits are paid to your beneficiary if you die while you are insured under the policy. In most all cases, the coverage is “group term insurance.”

FAQ'S

Why should I get Group Life Insurance for my company?

There are many benefits to employer sponsored life insurance: Typically the premium for $50,000 of life insurance coverage is deductible to the employer and tax-free to the employee. This benefit could have guaranteed issue amount, making the coverage easier to obtain. Lastly, the premium cost for this group term policy could be very affordable.

Can my employees secure group coverage for their spouses and children?

Voluntary Life insurance can provide the employee with the opportunity to cover their spouse and children.

How much does a Group Life Insurance policy cost?

Group term life insurance plans are priced based on the composition of the group and the volume of life insurance requested. The younger the group, the lower the premium. The volume of life insurance is dependent on a flat amount or a multiplier of salary.

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Accidental Death and Dismemberment (AD&D)

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Phone Number

Phone: 703.961.8886
Fax: 703.961.8887

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Statements on this web site as to policies and coverages provide general information only. This information is not an offer to sell insurance. Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise, e-mail, voice mail, or facsimile. No binder, insurance policy, change, addition, and/or deletion to Insurance coverage go into effect unless and until confirmed directly by a licensed agent. Any proposal of insurance we may present to you will be based upon the information you provide to us via this online form/application and/or in other communications with us. Please contact our office at 703-961-8886 to discuss specific coverage details and your insurance needs.All coverages are available in the state provided on the proposal. No other state will be covered unless shown. Information provided on this site does not constitute professional advice; if you have legal, tax or financial planning questions, you should contact an appropriate professional. Any hypertext links to other sites are provided as a convenience only; we have no control over those sites and do not endorse or guarantee any information provided by those sites.
  • About
  • Group Benefits
    • Group Medical
    • Group Dental
    • Group Vision
    • Short-Term Disability (STD)
    • Life Insurance / Accidental Death and Dismemberment (AD&D)
    • Long-Term Disability (LTD)
    • Long-Term Care (LTC)
    • Employee Assistance Program (EAP)
    • Travel Insurance
    • Pet Insurance
    • Section 125 Cafeteria Plan
    • Legal Services
    • Consolidated Omnibus Budget Reconciliation Act (COBRA)
    • Qualified Retirement Plan
  • Individual Insurance
    • Individual Health Insurance
    • Individual Dental Insurance
    • Individual Vision Insurance
    • Individual Life Insurance
      • Term Life Insurance
      • Universal Life Insurance
      • Whole Life Insurance
  • Commercial
    • General Liability
      • Pollution
      • Volunteer Coverage
    • Property
    • Professional Liability
    • Workers Compensation
    • Commercial Automobile
      • Garage Keepers
    • Commercial Umbrella
    • Crime
    • Management Liability
      • Directors & Officers Liability
      • Fiduciary Liability
      • Employment Practices Liability
      • ERISA Bond
    • Cyber Liability
    • Constrution Related Coverage
      • Inland Marine
      • Builders Risk
      • Bond
    • Travel Insurances
    • Sports / Travel Related Coverage
      • Amateur Sports / Health & Fitness
  • Auto . Home . Renters
    • Auto Insurance
    • Motorcycle Insurance
    • Homeowners’ Insurance
    • Dwelling Fire/Landlord
    • Renters
    • Condo Unit Owners
    • Builders Risk Insurance
    • Umbrella
    • Travel Insurance
    • Boat
    • Personal Articles Floater
    • Wedding/Special Event Coverage
  • Blog
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