Basic term life insurance

Life Insurance, Cardinal at Work

We provide basic life insurance, plus the opportunity to purchase supplemental life insurance. As a Stanford employee, you are automatically enrolled in our basic life insurance program. Plan Information Stanford’s basic term life insurance provides a benefit if you die when employed at the university. Both the basic life insurance and supplemental life insurance are provided through Prudential Insurance Company. All life insurance benefits are based on your salary as of Sept. 1. Premium payments and benefit payouts are also based on the September 1 frozen salary. For employees hired after Sept. 1, your salary is frozen for benefits purposes on your date of hire. Frequently Asked...

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Should I Buy Group and Supplemental Life Insurance? - ValuePenguin

Group and supplemental life insurance is regularly offered by organizations and employers as a member or employee benefit. If your employer offers a certain amount of group life insurance at no cost, you should take advantage of it, even if you have sufficient individual coverage. However, if you’re relatively healthy and can qualify for reasonable rates elsewhere, we wouldn’t recommend purchasing supplemental life insurance. Supplemental life insurance is typically only a good choice if you have pre-existing conditions or for some reason can’t purchase an individual term life insurance policy. What is Group Life Insurance? Group life insurance is simply life insurance that is provided...

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Life Insurance, Human Resources, Wright State University

Wright State University provides employees who are appointed to work more than 50% FTE on an annual basis with two times their annual earnings (2.44x earnings for nine-month contract faculty) of Basic Term Life and Accidental Death and Dismemberment (AD&D) insurance. Life insurance coverage is provided and underwritten by the Minnesota Life Insurance Company. As an added feature, Minnesota Life offers complimentary services for travel assistance, legal services, and financial counseling for beneficiaries. Brochures detailing these services can be found in the “Enhancements” tab below. If you are no longer eligible for life insurance as an active employee due to the voluntary or...

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Life Insurance, Human Resources, USF

Insurance Life Insurance State of Florida Life Insurance Plans State Life Insurance (Basic) The university provides a free, basic group term life insurance benefit of $25,000 to all eligible full-time employees. Eligible part-time employees pay prorated premiums based on their FTE. Temporary employees pay the full premium. Optional Term Life Insurance Eligible salaried employees, excluding Temporary employees, who are enrolled in basic life insurance coverage may elect additional employee paid term life insurance. Benefit election amounts are available between one and seven times base annual earnings, up to $1,000,000. Medical underwriting may be required. Dependent Spouse Term Life...

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What Should I Know About Offering Group Term Life Insurance?

What Should I Know About Offering Group Term Life Insurance? I followed your advice about ancillary plans, and now I’m thinking about adding a life insurance plan to my company’s benefits package. Can you explain the differences between Basic Life Insurance and Voluntary Life Insurance and term vs. perm? What’s a good amount of coverage to provide, and what kind of fees can I expect per month for this benefit? Several columns ago, I was asked to prioritize ancillary insurance plans: which are the most important benefits and which lines of coverage are most appreciated by employees? Dental and Short Term Disability come up the most frequently, but a close third is Basic Life Insurance. The “...

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Term Life Insurance - Benefits - Purdue University

Term Life Insurance Administered by Minnesota Life.   While employed at Purdue, you are covered by term life insurance. The amount of coverage varies, depending on your age and the option you select. Benefits are paid to your beneficiary in the event of your death from any cause. If you have no additional term life enrollment or beneficiary designation on file with Benefits at the time of your death, benefits equal to one and a half times your annual salary will be payable to your survivors as described in the Purdue Basic Term Life Certificate. This insurance has no paid-up or cash values and remains in force only while you are employed at the University (unless you choose to...

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5 Star Life - Basic Life and AD D,Voluntary Group Term Life Insurance

Basic Life and AD&D/Voluntary Group Term Life Insurance An important building block to a comprehensive employee benefit program, basic life and AD&D insurance, provides valuable protection for your employees should the unexpected happen. Adding voluntary life insurance as part of your benefit strategy – either our Voluntary Group Term Life or Family Protection Plan – allows employees to enhance their coverage with additional benefits and spouse and children coverage. Carefully crafting the right plan design matters, and 5Star Life Insurance Company works with you to ensure we provide the right benefits for you and your employees. Guaranteed Issue For basic life, we offer true...

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What is optional term life insurance?

Ask the Life Insurance Expert What is optional term life insurance? Optional term life insurance is additional coverage you can purchase through your employer that is over and above the basic life insurance coverage you get through an employee benefits plan. Your employer typically pays the premium for the basic coverage, and you pay the full premium for any optional term life you buy. Term life covers you for a certain number of years and does not have any cash value. You can't withdraw money or take out a loan from the policy's cash value the way you can with permanent life insurance, such as whole life. The opportunity to purchase optional term life has advantages. You can buy the...

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Insurance 101: Basic Insurance Terminology, Gerber Life Insurance Blog

As you experience changing events in life and take on greater responsibilities, you may need to manage different kinds of automobile, home, health or life insurance. To help you get started, we have put together this guide to basic insurance terminology: Automobile Insurance Terminology Requirements regarding auto insurance vary state by state, but the following definitions can be helpful for understanding the basics when shopping for auto insurance: Insured – The person(s) covered by the insurance policy. Deductible – The amount of money that you must pay out of pocket for damages sustained, such as in a collision, before your insurance kicks in and starts to make payments. Premiums – The...

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Basic Term Life Insurance: Human Resources - Northwestern University

Basic Term Life Insurance Basic Term Life Insurance provides faculty and staff with term life insurance and accidental death and dismemberment coverage as financial support for designated beneficiaries in the event of the death of benefits-eligible faculty and staff. This plan is fully University paid. Basic Life Insurance Benefit Coverage is equal to 2.5x the annual University salary. Maximum coverage of $250,000. Eligible salary is salary as of September 1 of the prior year or new hire salary if hired since. Employees may also elect to limit coverage to $50,000. The coverage factor reduces by 35% the year an individual turns 65 and an additional 15% at age 70. Underwriting Employees are...

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