Group Life & AD&D Insurance for Businesses Across the Southeast & Midwest
Employees want to know their loved ones will be cared for if the unexpected happens. Group life and accidental death & dismemberment (AD&D) insurance lets you provide that peace of mind—affordably. We help businesses across Alabama, Florida, Georgia, Illinois, Missouri, Nevada, North Carolina, South Carolina, Tennessee & Virginia include these benefits in their coverage lineup.
What Is Group Life Insurance?
Group life insurance provides a death benefit to an employee’s beneficiary if the employee passes away while covered. Most businesses choose:
- Basic group term life – Flat amount (e.g., $25K–$50K) or 1–2x salary
- Optional voluntary life – Employees can buy extra coverage for themselves or dependents
- Guaranteed issue amounts – No medical exams up to certain limits
These plans are affordable and easy to administer—and they make a big impact on retention and morale.
What Is AD&D Insurance?
AD&D coverage pays a benefit if the employee dies or suffers serious injury due to an accident. This can include:
- Loss of life in a vehicle or workplace accident
- Loss of a limb, sight, hearing, or mobility
- Paralysis or other catastrophic injury
AD&D can be bundled with life insurance or offered separately. It’s often one of the lowest-cost benefits available.
Why Employers Offer Group Life & AD&D
- Supports families through unexpected loss
- Boosts recruitment & retention in a competitive job market
- Easy to offer with guaranteed issue for new hires
- Builds goodwill among employees of all ages
- Affordable cost per employee per month
We work with employers in cities like Greensboro, Nashville, Tampa, Springfield, and dozens of smaller towns to implement policies that match their budget and culture.
Common Plan Features
| Benefit Type | Description |
|---|---|
| Basic Life | Employer-paid coverage; typically 1x salary or fixed amount |
| Voluntary Life | Optional buy-up coverage paid by employee |
| AD&D Rider | Added to life policy or offered as stand-alone |
| Dependent Life | Covers spouses and children (optional) |
| Conversion Option | Lets employees keep coverage after leaving |
We’ll help you build a package that aligns with your goals and employee needs.
Custom Plans, No Extra Headaches
We take care of:
You get a benefits partner who keeps things simple, organized, and responsive—so you can focus on running your business.
- Plan comparisons & carrier selection
- Enrollment materials & HR training
- Coverage eligibility & claim support
- Annual reviews & plan updates
Strengthen Your Benefits Package with Life & AD&D
Even a basic life policy can make a big difference for your team. Let’s explore your options and find the best fit for your budget and workforce.
FAQ – Group Life & AD&D Insurance
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Do I have to offer life insurance to all employees?
Yes. While your landlord’s policy likely covers the building itself, it won’t protect your belongings or liability. Renters insurance ensures you’re covered if your stuff is damaged, stolen, or if someone gets hurt in your unit.
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What’s the difference between life and AD&D?
That depends on the value of your home, your belongings, and your level of risk. We’ll help you calculate replacement costs and liability needs to ensure you’re fully protected without overpaying.
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Is this benefit taxable for employees?
Homeowners insurance is typically required by lenders if you have a mortgage. Renters insurance may be required by your landlord, but even when it’s not, it’s a smart move. We can help you understand the expectations and benefits in your situation.
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Can employees take their coverage with them if they leave?
Many plans offer portability or conversion options. We’ll explain how that works during onboarding.
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Is this expensive for the business?
No problem. We’re licensed across 10+ states and know how to build plans that work across ZIP codes and provider networks.
