Voluntary Life Insurance, The Hartford, child term life insurance. #Child #term #life #insurance

Voluntary Life Insurance

What is Life Insurance?

  • 80% of consumers believe most people need life insurance 1 .
  • 50% of US Households feel that they need more life insurance and that they would feel the financial impact of losing their primary wage earner in a year or less 2 .
  • Life insurance policies can help heirs take care of burial and other funeral expenses, replace lost income, and pay off the mortgage 2 .
  • Nearly 7 in 10 U.S. workers – across all generations – believe having a life insurance benefit available to them at work is important and the importance workers place on life benefits has increased by more than 20% over the past five years 2 .
  • Living Benefit Option (Accelerated Death Benefit)
  • Accidental Death Dismemberment (AD D) Rider
  • Disability Waiver of Premium
  • Portability
  • Conversion
  • Employee coverage (face) amounts of $25K to $250K in increments of $25K, with no salary multiplier*
  • Spouse coverage amount up to 100% of the employee amount
  • Child coverage amount up to $15K – Standard is $10K
  • Annual buy-up option without Evidence of Insurability (EOI)
  • Guaranteed issue amounts based on group size
  • Funeral Planning and Concierge Services 3 a suite of online tools to guide employees through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices.
  • Beneficiary Counseling Services 4 offer compassionate expertise to help employees or beneficiaries cope with emotional, financial and legal issues that arise after a loss.
  • EstateGuidance 4 Will Services help protect a family’s future by creating a will online – backed by online support from licensed attorneys 5 .
  • Travel Assistance ID Theft Protection and Assistance Services 6 include pre-trip information that helps employees feel safe and secure while traveling. Also available is access to medical professionals across the globe for medical assistance when traveling 100+ miles away from home for 90 days or less when unexpected detours arise. Another important service is ID theft protection, available 24/7 whether home or away. Protection is provided two ways: educational materials to help prevent identity theft, and access to caseworkers who can help resolve problems that result from identity theft.

Employee Benefits Life Insurance Claims Reviews

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