Group Life & AD&D Insurance for Your Employees
Group life and accidental death & dismemberment (AD&D) insurance provide a powerful message to your employees—you care about their families and their future. These benefits offer peace of mind and financial security during life’s most difficult moments. Whether you’re offering employer-paid coverage or giving employees the option to buy additional protection, we’ll help you create a plan that fits your company’s budget and your team’s needs. From basic term life policies to customizable tiers and voluntary buy-up options, we tailor your offering to make sure it delivers real value. We serve businesses across Southern Illinois with guidance, plan comparisons, and clear advice, so you can offer life insurance with confidence and care.
Coverage That Protects What Matters Most
Group life insurance provides a death benefit to an employee’s beneficiaries, offering financial support for funeral expenses, debts, and ongoing household needs. Most employer-sponsored plans are easy to administer and can be offered as a flat dollar amount (like $25,000 or $50,000) or as a multiple of the employee’s salary. AD&D coverage provides an additional layer of protection in case of accidental death or life-altering injuries such as loss of limb, eyesight, or mobility. These policies are low-cost, highly valued, and especially important for employees with families or dependents. Offering this type of coverage shows your commitment to protecting what matters most—not just today, but for the future.
Straightforward Plans, Real Impact
We help you choose benefit levels, understand coverage options, and ensure your plan aligns with your goals and employee demographics.
What We Offer
Custom Benefit Levels
Choose a flat rate or salary-based amount—plus optional buy-up coverage for employees who want more protection.
Built-In AD&D Protection
Provide additional protection for accidental injury or death.
Convertibility & Portability
We help you handle paperwork and onboarding with ease so employees understand their coverage and make informed choices.
Group Life & AD&D Insurance FAQs
Is AD&D the same as life insurance?
No. Life insurance pays for death from any cause, while AD&D only pays if death or injury is caused by an accident.
Can employees get more coverage?
Yes. Many plans offer the option to buy additional life insurance during open enrollment.
Are beneficiaries customizable?
Many plans allow voluntary life options or supplemental policies.
What happens to coverage if someone leaves?
Some plans offer portability or conversion so employees can keep their policy.