Life and disability benefits pay cash benefits or replace income when an employee can’t work—or when their family needs financial support after a loss. For many teams, these products turn a benefits package from “nice” into “meaningful.”
Employer-provided term life typically offers a flat benefit (e.g. $50,000) or a multiple of salary. Accidental death & dismemberment (AD&D) pays in covered accidents. Employees may be able to purchase supplemental life for themselves or dependents.
Short-term disability (STD) may cover a percentage of pay for weeks or months after a non-work illness or injury. Long-term disability (LTD) typically begins after STD ends and can extend for years depending on definition of disability and policy terms.
Household breadwinners
Disability replaces part of a paycheck when someone can’t earn.
Families with dependents
Life benefits can cover final expenses, debt, or future needs.
Employers competing for talent
Robust protection packages support recruiting and goodwill.
Specific benefits, exclusions, and taxable status depend on plan documents and how premiums are paid. We help you document choices clearly for payroll and HR.
Insure Your Group helps employers offer group life insurance and related protection as part of a modern benefits package. From employer-paid core coverage to voluntary buy-ups, we align plan design with your budget, census, and retention goals—so your team gets meaningful protection without unnecessary complexity.
Group term life is often the foundation: a flat benefit or a multiple of salary, with accidental death & dismemberment (AD&D) where you choose to include it. Initial enrollment windows may include guarantee-issue amounts so more employees can participate without medical underwriting headaches.
We can review guarantee issue windows, class structures, and how these lines pair with health and voluntary benefits.