How to offer life insurance

Life insurance 101: A step-by-step guide, Principal

Step 2: Choosing your coverage There are 3 main factors to consider when choosing a life insurance policy: Duration of your need. Term insurance is great if you need coverage for a limited length of time, say 10 or 20 years. However, if you need lifelong coverage, permanent insurance will meet your needs, and may offer the added benefit of accumulating cash value. Cost. Term policies typically cost less than permanent policies. And with any type of life insurance, the cost of the coverage is based on your age, so the earlier you purchase, the lower your cost will be. Some term policies can be converted to permanent policies, if you’d like to change your coverage down the road. Personal risk...

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5 More Reasons to Offer Life Insurance with Living Benefits BBA Life

Why more Americans are not purchasing life benefits with a chronic illness or long-term care rider is beyond me! It should be a no brainer, a slam dunk. Where else can you create a pool of money so quickly, with the first payment, that will take care of you while you are living or take care of your loved ones when you die? Here are just a few stats that should make our hair stand up on end: Approximately every 40 seconds, an American will have a heart attack. 92% of older adults have at least one chronic disease; 77% have at least 2. Every 40 seconds someone in the US has a stroke. Every 66 seconds someone develops Alzheimer’s Disease – see resources The average couple retiring at age 65...

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4 reasons employers should offer supplemental life insurance, ThinkAdvisor

Depending on a family’s needs, supplemental life insurance can build on the employer-provided life insurance benefit. (Photo: Thinkstock) For the majority of consumers, their only life insurance is from a group basic life plan provided by their employer. For some — especially those with a spouse or children, educational expenses, a mortgage or other debt — this standard life insurance offering may not be sufficient to ensure financial wellness. Supplemental group life insurance, which augments the life insurance offered by an employer, enables employees to protect their families’ financial security. But according to LIMRA, a research, learning and development organization, only about...

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Do You Offer Life Insurance to Employees? - HR Daily Advisor

Compensation Insurance is one of the most common employee benefits employers opt to use to entice top talent to their organization. One such example is life insurance. It’s often quite affordable to provide because employers can get group discounts that are unavailable to individuals acting alone. Therefore, it provides coverage for employees at a lower premium even if the cost of the premium is passed along to the employee. Employer Benefits of Offering Life Insurance to Employees There are several reasons employers and employees alike benefit from having an employer-sponsored life insurance benefit. Here are a few: Retention and recruiting. This is a benefit that can make an employer...

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Why You Should Offer Life Insurance to Your Employees - Aliat

If you’ve been thinking about ways to expand employee wellness at your organization, don’t overlook a key benefit that is popular with employees and relatively easy to administer: life insurance. Providing your employees with safety nets like this one can help boost peace of mind, reduce stress, and improve focus on the job. Read on for some of the key benefits of group life insurance, as well as some information about the different types of life insurance policies and a few other questions to consider if you decide to move forward. Life insurance policies are usually inexpensive and easy for employers. Group life insurance premiums are considerably lower than premiums...

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