Life & Disability Insurance
Protect Your Team
When It Matters MostGive employees peace of mind with life and disability coverage designed for life’s unexpected turns.
Coverage that grows with your teamFinancial security for the people who matter mostA benefit that builds loyaltyLife Insurance Plans
Life Insurance Options for Your Team
Dependable coverage that protects employees’ families and gives everyone the peace of mind they deserve.
Employer-Paid Life Insurance
Best for core coverage
Supplemental Life Insurance
Provides added flexibility
Accidental Protection Coverage
Best plan for extra protectionDisability Insurance
Protect Your Employees’ Income
When They Need It Most
Short-Term Disability InsuranceCovers short-term income needs
Short-Term Disability Insurance
Covers short-term income needs
Short-term disability replaces a portion of an employee’s income when illness, injury, or a medical condition keeps them from working — helping cover everyday expenses while they recover.
Long-Term Disability InsuranceCovers long-term income needs
Long-Term Disability Insurance
Covers long-term income needs
Long-term disability replaces a portion of an employee’s income during a prolonged illness, injury, or health condition — providing financial stability when recovery takes time.
Why Coverage Matters
What Life and Disability Coverage Protect
How the right plans keep families secure when the unexpected happens.
How it Works
How Life and Disability Coverage Works
See how each plan activates, delivers financial support, and keeps employees and their families protected when life takes an unexpected turn.
Employees Enroll in Coverage
Employees choose the life and disability coverage that fits their needs. Employer paid coverage is typically automatically enrolled, while voluntary coverage can be added with premiums conveniently deducted from each paycheck.
Employees File a Claim When Needed
If a covered illness, injury, or loss occurs, employees file a claim with the insurance carrier. The process is straightforward, with clear guidance at each step so employees know what to expect.
Employees Receive Their Benefit
Once the claim is approved, the benefit is paid directly to the employee or their chosen beneficiary. Disability benefits replace a portion of income during recovery, and life insurance provides financial security for loved ones, giving families the support they need when it matters most.
Why Businesses Choose Life
and Disability Coverage
Build stronger teams with benefits that protect employees and the people they care about.
Improve Employee Retention With Meaningful Benefits That Matter
Offering life and disability coverage shows employees you value their wellbeing beyond work responsibilities and daily tasks
When employees feel financially secure and supported, they are more likely to stay with your company long-term. These benefits help build trust, improve morale, and reduce costly employee turnover.
Financial Protection That Supports Employees During Difficult Times
Life and disability coverage ensure employees and their families are protected during unexpected life events
Unexpected events can create financial stress for employees and their families. Offering coverage helps provide income protection and financial stability, allowing employees to focus on recovery instead of financial pressure.
Offer Valuable Benefits That Fit Your Budget
Flexible plan options allow businesses to provide strong benefits without adding financial strain
Life and disability plans can be structured to fit your budget while still delivering meaningful value. With employer-paid and voluntary options, businesses can balance cost and employee satisfaction effectively.Helpful Answers
Common Questions About Life
and Disability CoverageClear answers to help you choose the right plan for your team.
Benefits Consultation
Talk to a Benefits AdvisorShare a few details about your business, and our team will follow up to discuss your benefits strategy.
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