Life and disability insurance for your employees
Life and disability coverage gives employees and their families financial security when serious illness, injury or death happens, so they can focus on recovery rather than bills. We help you design employer-paid, voluntary or blended plans that fit your budget.
Financial security for life's uncertainties
Providing life and disability insurance shows your team you care about their wellbeing, and their families, beyond the workplace.
Disability insurance replaces a portion of income when employees can't work because of illness or injury. Life insurance pays a death benefit that helps families stay financially stable during a very difficult time.
We help you design coverage that fits your budget while providing meaningful protection, whether employer-paid, voluntary or a combination.
Two benefits that protect employees and families
Life insurance
Group life pays a tax-free death benefit to beneficiaries, helping families cover immediate expenses and stay financially stable.
- Basic life: employer-paid, often 1x to 2x salary
- Supplemental life: voluntary, employee-paid additional coverage
- Dependent life: coverage for spouse and children
- AD&D: additional benefit for accidental death or dismemberment
- Portability: option to continue coverage after leaving employment
Disability insurance
Disability insurance replaces part of an employee's income when illness or injury keeps them from working, so they can keep paying bills and supporting their family.
- Short-term disability: coverage for weeks to months
- Long-term disability: extended coverage for serious conditions
- Income replacement: typically 50 to 70 percent of pre-disability earnings
- Own occupation: based on inability to perform your specific job
- Rehabilitation support: resources to help employees return to work
Short-term vs. long-term disability
Knowing the difference helps you design coverage for every stage of recovery.
Short-term disability (STD)
- Temporary disabilities from illness, injury or pregnancy
- Benefits begin quickly after a short waiting period
- Income replacement during initial recovery
Long-term disability (LTD)
- Serious illnesses or injuries that prevent work for months or years
- Extended income protection
- Often begins after short-term disability ends
Life insurance options
Basic group life
Employer-paid coverage for all eligible employees, typically a flat amount or a multiple of salary (1x to 2x). Simple administration with guaranteed acceptance.
Voluntary supplemental
Employee-paid coverage beyond basic life, so employees can increase protection to fit their needs. Often available for spouses and dependents.
AD&D coverage
Accidental death and dismemberment pays additional benefits for deaths or injuries caused by accidents, including scheduled benefits for loss of limbs, sight or hearing.
How coverage helps employees and families
Knee replacement and recovery
An employee needs knee replacement surgery and will be out of work for 8 weeks during recovery.
Why offer life and disability
Attract and retain talent
A complete benefits package helps you compete for qualified candidates and keep valued employees.
Support families
These benefits protect families during their hardest moments.
Tax advantages
Employer-paid premiums are tax-deductible, and the first $50,000 of group life is tax-free to employees.
Productivity
Employees with financial security can focus on work rather than worrying about illness or injury.
A straightforward process
Assess your needs
We learn about your workforce, your budget and the level of protection that makes sense for your business.
Compare options
We gather quotes from multiple life and disability carriers and present options that balance coverage and cost.
Implement coverage
We help with enrollment, beneficiary forms and employee communication materials.
Ongoing support
We help with claims, answer questions and review coverage each year to make sure it still fits.
Life and disability questions
How much life insurance should we provide?
Do we need both STD and LTD?
What does disability insurance cost?
Can employees keep coverage if they leave?
Design life and disability coverage for your team
Tell us about your workforce and budget, and we'll compare plans from multiple carriers.
Benefit descriptions are general summaries for education. They are not legal, tax or coverage advice, a statement of coverage, an offer or a binder. Examples, percentages and cost ranges are illustrative, not representations about any group. Benefits, eligibility and costs are governed by the terms, conditions and exclusions of the plans issued and are subject to underwriting.