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GROUP LIFE AND AD&D
Bad health or no budget for the individual life insurance?
Group life insurance coverage is typically offered in
the form of an employersponsored plan and is part of
a company’s benefits package. The employer holds the
master policy and controls decisions, whereas employees
are certificate holders if they opt in to coverage. Because
of this, group life insurance often does not require a
physical and the premium is discounted.
The Group Term Life benefit is paid in the event of the
death of an employee from any cause.
Accidental Death and Dismemberment affords coverage
for specific losses sustained as a result of any injury,
subject to certain time limitations and exclusions.
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