Group life and AD&D coverage that protects what your employees care about most.
A basic life insurance benefit is often expected as part of a competitive benefits package, and it’s one of the more affordable lines to offer.
Get a QuoteHow group life and AD&D coverage works.
Group life insurance provides a death benefit to an employee’s beneficiaries, often set at a flat amount or a multiple of salary. Accidental Death & Dismemberment (AD&D) adds a benefit for covered accidents resulting in death or serious injury.
Many employers provide a base amount of coverage at no cost to employees, with options for employees to purchase additional voluntary coverage for themselves or dependents.
- Provides a death benefit to employee beneficiaries
- AD&D adds protection for covered accidental injury or death
- Often provided at low or no cost as a base benefit
- Voluntary buy-up options let employees increase coverage
Common Benefit Structures
- • Flat benefit amount
- • Multiple of annual salary
- • Employer-paid base coverage
- • Employee-paid voluntary coverage
Core elements of group life & AD&D
Basic Life Benefit
A death benefit paid to beneficiaries, often provided at no cost to the employee.
AD&D Coverage
Additional benefit for death or dismemberment resulting from a covered accident.
Voluntary Life
Optional additional coverage employees can purchase for themselves.
Dependent Life
Optional coverage extending a benefit to a spouse or children.
Portability Options
Some plans allow employees to keep coverage if they leave the company.
Simple Enrollment
Straightforward to add alongside medical, dental, and vision benefits.
Group Life & AD&D FAQs
Do employees have to answer health questions for group life?
What’s the difference between life and AD&D?
Can employees add coverage for a spouse or kids?
Let’s talk about your group life & AD&D coverage.
Belgrade-based advisors who know Montana risk, ready to help.
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