Baseline protection
A benefit for employees’ families at a group rate.
Group life insurance
A foundation of protection for every employee.
Group life insurance, often paired with accidental death and dismemberment (AD&D), gives employees a base level of life insurance through work — and the option to buy more for themselves and their families.
- Basic employer-paid life
- Voluntary supplemental life
- Often paired with AD&D
The basics
How group life coverage is structured.
Group life is a starting point — many employees need more than a basic benefit.
Basic group life is usually employer-paid and provides a flat amount or a multiple of salary to each eligible employee. AD&D adds a benefit if death or certain injuries result from a covered accident.
Supplemental (voluntary) life lets employees buy additional coverage for themselves, a spouse, or children through payroll deduction, often with simplified enrollment up to a limit.
Group coverage may end or change if an employee leaves; many policies offer conversion or portability options.
Needs it may address
What group life can provide.
Family coverage
Optional spouse and child coverage.
Competitive benefits
A common, valued part of a benefits package.
How it works
Building group life into your plan.
Choose the basic benefit
A flat amount or a multiple of salary, with or without AD&D.
Add voluntary options
Supplemental life for employees and dependents.
Enroll and communicate
Help employees understand beneficiaries and limits.
Key features and important limitations
Key features
- Affordable group rates for basic coverage.
- Simplified enrollment up to guaranteed issue limits is common.
- Voluntary options give employees more choice.
Important limitations
- Basic amounts may not meet employees’ full needs.
- Coverage may end or change when employment ends.
- Employer-paid coverage above certain amounts may have tax implications for employees — consult a tax advisor.
- Want to offer a meaningful benefit at a modest cost.
- Already offer health coverage and want to add protection.
- Have employees asking how to get more life insurance.
Questions
Common questions
What is AD&D?
Accidental death and dismemberment pays a benefit if an employee dies or suffers certain injuries due to a covered accident. It’s often bundled with group life.
What happens to coverage when an employee leaves?
Group coverage usually ends, but many policies allow employees to convert to an individual policy or port coverage, within set deadlines.
Next step
Give your team a foundation of protection.
Talk through basic and voluntary life options for your business.
Talk directly with Cameron McClendonLicensed Insurance Agent
Not ready to book? Send a message
Prefer email? cameron@mcclendongroup.net
General, educational information only — not legal, tax, or compliance advice. Plan availability, participation and contribution requirements, eligibility, underwriting, and costs vary by carrier, group size, industry, and location. Coverage is subject to the group policy. Employers should consult their own legal and tax advisors about plan design and compliance obligations. McClendon Benefits Solutions is the business name of Cameron McClendon, a Texas-licensed General Lines Agent (Life, Accident, Health and HMO), license #3253199.