Group Life Insurance
Give your team lasting peace of mind.
Group life insurance offers affordable financial protection for your employees’ families. We help California businesses create flexible plans that show you care—and help you retain top talent.
Financial security for employees’ families.
What’s Included
Group life insurance policies are typically provided as a basic employee benefit, with options to enhance or supplement coverage. These plans deliver a tax-free death benefit to designated beneficiaries and can ease the financial strain of loss. We help structure policies that offer both value and flexibility for employers and employees alike.
01
Basic Group Life Coverage
Provides a standard death benefit—often equal to one or two times an employee’s annual salary.
02
Voluntary Life Add-Ons
Allows employees to purchase additional coverage through payroll deductions at group rates.
03
Accidental Death & Dismemberment (AD&D)
Adds financial protection in cases of accidental death or injury.
04
Dependent Coverage
Offers optional coverage for spouses and children at affordable group premiums.
05
Portability Options
Allows employees to keep their life insurance if they leave the company, ensuring long-term value.
06
Guaranteed Issue Amounts
Provides coverage with no medical exam required, up to specific limits based on employee class.
Why Group Life Coverage Matters
Life insurance is one of the most appreciated yet underutilized employee benefits. It provides your team with peace of mind and shows that you value their families as well as their work. In California’s competitive job market, group life coverage can set your business apart—while supporting your employees during life’s most difficult moments. We make it easy to build a plan that reflects your company’s values and priorities.
Group Life FAQs
Is group life insurance required by law?
No, group life insurance is not mandatory. However, it’s one of the most meaningful and cost-effective benefits you can offer. Many California businesses use it to strengthen employee loyalty and compete with larger companies that offer robust benefits.
What’s the typical coverage amount for group life insurance?
Basic plans often offer coverage equal to one or two times the employee’s salary. Employers can set different amounts by job class, tenure, or other criteria. We’ll help you tailor coverage levels that are equitable and within budget.
Can employees add coverage beyond what the company provides?
Yes. Many plans offer voluntary life insurance, allowing employees to purchase additional coverage at discounted group rates. These add-ons can also extend to spouses and dependents.
Is a medical exam required for group life insurance?
Generally, no—especially for basic group coverage. Guaranteed issue limits allow most employees to enroll without a medical exam. Higher coverage amounts may require simplified underwriting, which we’ll help you navigate.
What happens to coverage if an employee leaves the company?
Many group life policies include portability or conversion options, allowing employees to keep their coverage by paying premiums directly. We make sure you choose a plan that supports continuity and keeps things simple for your team.