Life Insurance for Employees
The value of life insurance
Whether married, single, starting a family or close to retirement, a life insurance policy can help minimize financial burdens. It can help provide financial security through some of life’s most difficult transitions.
Without life insurance, the death of a wage earner could cause financial hardship for loved ones left behind.
How life insurance works
Life insurance helps bring peace of mind to those left behind. It assists loved ones with:
- Paying medical and funeral bills
- Replacing lost income
- Paying off a mortgage and other debts
- Funding college expenses
Designed with employers and employees in mind
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Simple Benefits for EmployersAvailable with voluntary, non-contributory and contributory options
Flexible plan designs
Liberal benefit maximums and guarantee issue amounts
Annual increase options available (voluntary plans only)
Living care benefit and dependent coverage available
Can be packaged with other group insurance products on one bill
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Protection for EmployeesAn economical, convenient way for employees to provide for their family and loved ones
Benefit paid directly to beneficiaries
Value is not affected by market conditions
Coverage is fully portable (standard with voluntary, optional with basic life)
Premium waived if totally disabled and unable to work
Partial disability continuation
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Optional Features and ServicesSeamless continuation for injury or sickness, layoff, leave of absence, partial disability and total disability
- * Additional premium may apply.
Enrollment made easy
When it comes to enrolling employees in their benefits plans, "easy" isn't what usually comes to mind. That's why we work closely with employers to develop an enrollment strategy with a variety of support options and communication tools to empower employees to make informed decisions and maximize participation.
We provide a variety of enrollment support options:
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Local Sales Representatives
Our local sales team will personally consult with our customers to determine the best enrollment strategy to fit their unique needs and ensure a streamlined enrollment experience.
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Dedicated Enrollment Consultants
Our specially trained, licensed, and bilingual enrollment consultants will help plan and execute a personalized enrollment experience from initial pre-enrollment strategy to on-site and virtual meetings in a way that best fits our customer's needs.
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Third-Party Enrollment
We partner with trusted third-party resources that specialize in group and voluntary benefit enrollments, including core benefit, call center and online enrollment systems. These resources support multilingual language needs.
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Employee Communication
To help employees make informed decisions we offer a diverse portfolio of materials designed for different learning styles and delivery preferences. This includes postcards, emails, customized, mobile-friendly microsites, and a variety of high-level, needs-based videos.
Get more with Mutual SolutionsSM***
Our value added services are designed to help employers manage productivity, while helping employees manage life challenges so they continue to stay productive at work.
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Employee Assistance Program*
Support for personal and workplace issues. -
AbsencePro® (FMLA)*
Manage FMLA- and ADA-related leaves of absence. -
Will Preparation
Offers immediate savings on will preparation services.
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Hearing Discount Program
Hearing aid and hearing screening services. -
Travel Assistance*
Travel and identity theft solution.