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Life Insurance

Peace of Mind
For Your Employees

Smart, Flexible Solutions

Life insurance helps protect the financial futures of those who depend on an employee’s paycheck.

Our Voluntary Life Insurance offers a wide range of plan schedules and maximums, providing choice and flexibility to employers looking for comprehensive (or supplemental) coverage for employees.

What’s Covered

Our term life insurance offers more than just death benefits. The following are also available:

  • Living Benefit Option (Accelerated Death Benefit)
  • Accidental Death & Dismemberment (AD&D) Rider
  • Disability Waiver of Premium
  • Portability
  • Conversion

How It’s Flexible

We can help choose the Life plan options that best fit the needs of employers – and their employees.

Employers can offer their employees:

  • Employee coverage (face) amounts of $25K to $250K in increments of $25K, with no salary multiplier
  • Spouse coverage amount up to 100% of the employee amount
  • Child coverage amount up to $15K – Standard is $10K
  • Annual buy-up option without EOI
  • Guaranteed issue amounts based on group size

Our standard Term Life plan design includes death benefits, Disability Waiver of Premium, Portability and Conversion. You and your client can enhance the plan through the addition of a Living Benefit Option and/or the AD&D Rider.

You can also offer your clients a choice of:

  • Coverage for employees only or employees and dependents.

Why It’s Valuable

Life insurance from The Hartford – whether paid for in part by employers or paid entirely by employees – helps protect the financial future of beneficiaries while also helping curb costs.

All this is available with affordable group rates, with no health questions (up to the guaranteed issue amount), in addition to:

  • Guaranteed issue amounts up to $250,000 (contingent on group size)
  • Only 10 enrolled lives required for participation
  • Easy payroll deduction of premiums
  • Attained age rates with flexible age bands
  • No required waiting periods

Beyond the Benefit

You care about your employees. So do we. We go beyond the benefit with a variety of value-added employee services, to help make the difficult times a little bit easier. With Life insurance we offer:

  • Beneficiary Counseling Services1
  • Travel Assistance & ID Theft Protection Services2
  • Funeral Planning & Concierge Services3
  • EstateGuidance® Will Preparation Services4


1 Beneficiary Assist® and EstateGuidance are offered through The Hartford by ComPsych®. ComPsych is not affiliated with The Hartford and is not a provider of insurance services. The Hartford is not responsible and assumes no liability for the goods and services provided by ComPsych and reserves the right to discontinue any of these services at any time. EstateGuidance and ComPsych are registered trademarks of ComPsych Corporation.

2 Travel Assistance and Identity Theft Protection services are provided by Europ Assistance USA. Europ Assistance USA is not affiliated with The Hartford and is not a provider of insurance services. Europ Assistance USA may modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided to you by Europ Assistance USA as a part of the Travel Assistance and Identity Theft service are insurance. The Hartford is not responsible and assumes no liability for services provided by Europ Assistance USA as described in these materials.

3 Funeral Planning and Concierge Services are offered through Everest Funeral Package, LLC (Everest). Everest is not affiliated with The Hartford and is not a provider of insurance services. Everest and its affiliates have no affiliation with Everest ReGroup, Ltd., Everest Reinsurance Company or any of their affiliates. The Hartford is not responsible and assumes no liability for the services provided by Everest Funeral Package, LLC as described in these materials.

4 A simple will does not cover credit shelter trust, printing or certain other features. These features are available at an additional cost to you.

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries including issuing companies Hartford Life Insurance Company and Hartford Life and Accident Insurance Company. Home office is Hartford, CT.

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