Group Products

Employers who offer Group Coverage enjoy multiple benefits:

Lower premiums than individual coverage due to:

• Risk spread: Spreading risk across a large group of people lowers premiums 

• Employer negotiation: Employers often negotiate lower rates for group plans 

• Cost sharing: Employers often pay part of the premium, reducing the cost for employees 

Simplified enrollment for employees:

• HR management: HR representatives manage group insurance, making enrollment easier 

• On-site sign-ups: Employees can enroll on-site with assistance from HR 

Comprehensive coverage

• Standard benefits: Group plans often include medical, dental, and preventive care 

• Family coverage: Employees can get coverage for family members at a lower cost 

• Pre-tax premiums: Employees can pay premiums pre-tax, reducing their taxable income 

Other benefits

• No pre-existing condition disclosure: Group plans often don't require applicants to disclose pre-existing conditions 

• Easy claim process: Group plans can have an easy claim process 

• Tax advantages: Group life insurance can offer tax advantages for employers and employees 
   

Let us set up a plan for your business to help you attract and retain the right employees!