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Employee Benefits coverage

Group Life & AD&D

Group life and AD&D (accidental death and dismemberment, which pays out if an employee dies or loses a limb, sight, or hearing in an accident) give families a financial cushion during the worst moments. It's an inexpensive, high-goodwill benefit that signals you look after your people — the kind of coverage employees notice when comparing offers.

Review Group Life & AD&D Schedule Consultation

Who this coverage is for

This is for employers who want to give employees a financial safety net for their families at a modest cost to the business. It works well for companies of any size that want to add a meaningful, low-cost benefit to their package.

What it can help protect

Group Life and AD&D (Accidental Death and Dismemberment) coverage pays a benefit to an employee's family if they pass away, and adds extra protection for serious accidents. Here is what it commonly supports:

  • Family financial security — a life insurance payout helps loved ones cover expenses if an employee dies.
  • Accident protection — AD&D pays an additional benefit if an employee dies or loses a limb, sight, or similar in a covered accident.
  • Easy enrollment — group life is typically guaranteed up to a set amount without a medical exam.
  • Affordable coverage — group rates are usually far lower than what an individual would pay on their own.
  • Peace of mind — employees know their families have some protection, which strengthens loyalty.
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Key choices and underwriting factors

A licensed review will usually focus on benefit multiples/flat amounts, eligibility classes, and employer-paid vs voluntary structure.

Common Questions