Real Needs, Real Value

Life Insurance

Dependent Life Insurance

Accidental Death & Dismemberment

Attracting, retaining and motivating talented employees is always a challenge. Providing a benefit plan is one step in this process. Helping employees take full advantage of all that a benefit plan has to offer is a vital second step.

Group Life insurance is an inexpensive method of securing an employee's peace of mind. As part of a total compensation package, this inexpensive component insures an employee against the loss of their most valuable asset, their lifetime earnings potential.

According to LIMRA International, an average period of 4 to 5 years is necessary before financial circumstances return to what they were at the time of a spouse's death.

It takes years to recover economically from the death of a spouse. Take a look at your plan. A flat insurance amount or one or two times salary may not meet today's minimum coverage needs.

Does your benefit plan and compensation strategy meet the real needs of employees today?

Underwriting Methods

Pooling is Insuring

Buying insurance is essentially sharing the financial consequences of a known risk, which is unlikely to occur, with several others.

Unpredictable Risk

Underwriting an unpredictable risk such as the loss of life,  is best insured (pooled) to protect assets from the consequences of an event too large to bear. Unpredictable events present sudden and unforeseen expenses too large to underwrite without insurance.

Predictable Risk

Remember that predictable events can be planned and budgeted for.