Employee Benefits

Voluntary Group Life

In today’s workforce, employee needs are more diverse than ever, and a “one-size-fits-all” approach to benefits rarely works.

Group Voluntary Life Insurance is a flexible, employee-paid solution that lets your team purchase high-quality life insurance at discounted group rates they often can’t access on the individual market.

Designed for most businesses with at least one full-time employee, this coverage delivers meaningful value to employees without increasing your company’s direct benefit costs. We partner with leading life insurance carriers to bring these rates directly to your workplace.

Offering Voluntary Life vs. Providing No Life Benefits

Deciding whether to include a voluntary life option in your benefits package can significantly impact your team’s financial health:

  • Businesses That Offer Voluntary Life:
    You empower employees to protect their families’ futures on their own terms. With premiums handled via payroll deduction, it’s a convenient way to build a safety net. This demonstrates you care about their “total life” wellness—boosting loyalty and retention.
  • Businesses That Do Not Offer Coverage:
    Employees are left to shop for life insurance on their own, where they may face higher premiums, aggressive sales tactics, and strict medical underwriting. Without a workplace option, many employees remain uninsured—leaving their families at meaningful financial risk.

The Key Advantages of Voluntary Life Insurance

This coverage is a favorite among employees because it provides unique perks not always available in individual policies:

  • Guaranteed Issue (No Medical Exams):
    Many plans include a guaranteed-issue amount, allowing employees to secure coverage without medical exams or intrusive health questions—especially valuable for those with pre-existing conditions.
  • The Power of Group Rates:
    Because carriers are covering a group, premiums are often significantly lower than what individuals pay for similar coverage on their own.
  • Convenience & Consistency:
    Premiums are automatically deducted from paychecks, helping ensure coverage doesn’t lapse due to missed payments.
  • Portability:
    Many policies are portable—so if an employee leaves the company or retires, they can often take coverage with them at a similar rate.

Why Partner With Our Licensed Agents?

The life insurance market includes complex riders and options. Our agents guide plan selection and implementation so your team gets strong terms and a smooth enrollment experience.

The Power of Choice

We aren’t tied to one provider. We compare top life insurance carriers to find plans with strong “living benefits” (access to funds for terminal or chronic illness) and competitive guaranteed-issue limits.

Expert Implementation at No Cost

We handle setup and enrollment. Because we’re compensated by carriers, your business receives consulting support, employee education, and administrative guidance at no additional charge.

Strategic Financial Guidance

We help you understand the tax considerations of different plan structures and ensure voluntary life complements your health, disability, and other benefits to create a seamless, comprehensive package.

Give your team the gift of peace of mind.

Contact us today to see how easy it is to add a Voluntary Life Insurance option to your benefits package. We’re your one-stop shop for group health, dental, vision, and disability insurance.

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