Group Life and Disability


It is our mission to provide peace of mind when it comes to protecting what matters most to both our clients and their employees. We offer a wide range of products and services that employees will both value and appreciate, such as:


Life Insurance – Life insurance coverage at economical group rates offers employees and their families vital financial security. Group life insurance coverage can be based on employee classification or salary as low as $10,000 per employee.


Accidental Death and Dismemberment – Typically, included with life insurance coverage, Accidental Death and Dismemberment (AD&D) benefits are equal to the group life benefit for each insured employee. AD&D benefits are payable for death, dismemberment and loss of sight of an insured employee.


Short Term Disability Insurance (STD) – Weekly Disability Income plans protect an employee’s income in case of a short-term disability due to unexpected, non-occupational illness or injury. Options that are core components of the plan include: a benefit period, an elimination period, a maximum benefit percentage of salary and a maximum weekly benefit


Long-Term Disability – Long-Term Disability (LTD) insurance is designed to replace a portion of an employee’s income lost due to a prolonged disability. LTD covers both occupational and non-occupational injuries. Our access to options allows groups to choose the core components of the plan: a benefit duration period, an elimination period, a maximum benefit percentage of salary, a maximum monthly benefit and an integration method. Optional benefits, including cost of living adjustments and survivor benefits, are also available.