Voluntary Life & Accident Insurance
Providing Your Clients'
Employees With A Safety Net
Build Your Book With Voluntary Life and Accident
Everyone has goals, dreams and loved ones. Protecting them against worst case scenarios is not only smart, but a caring and responsible choice. The Hartford can help your clients offer protection while meeting diverse needs with supplemental/Voluntary Life programs. Not only can it help employees better prepare for an unexpected loss or event. It can also help your clients curb costs.
Voluntary Life Insurance:
The Hartford’s supplemental Life insurance allows employees to purchase additional coverage for themselves and their families. Some highlights:
- An enhanced continuity of coverage clause that prevents employees from being stranded without coverage on our policy transfer date—even if they're not actively at work on that day.
- A generous Living Benefit Option: Terminally ill employees or dependents can accelerate their benefits, up to $500,000.
- No interruption in premium waiver elimination period for employees who attempt to return to work for up to five days.
- A portability option and conversion is offered with our Life product. If your employees leave your company, or under other qualifying conditions, they can take all or a portion of their coverage with them.
- A variety of programs that provide employees access to online tools and services that can guide them through major life decisions, such as creating a will, or funeral planning.
- Real-time decisions through our online Evidence of Insurability system.
- Online beneficiary management.
- Multiple billing options that help ensure an accurate and streamlined process.
Voluntary AD&D Insurance:
Accidents happen to commuters as well as do-it-yourselfers, weekend joggers, workers and homebodies.
Help your clients protect their employees from the consequences with Accidental Death and Dismemberment (AD&D) coverage. Since it’s Voluntary, it will help minimize employers’ costs.
This coverage can be offered on a stand-alone or combined basis (with Life) as:
- 100 percent Voluntary/employee-paid; or
- Supplemental/buy-up coverage where employees can purchase additional AD&D protection.
What they can receive under a plan from The Hartford:
- Protection against losses from unforeseen covered accidents, available for dependent children and spouses as well as employees.
- Twenty-four-hour accident coverage that can be combined with Group Life or purchased as a stand-alone product.
- A generous rider or options package beyond industry standards.
- Numerous optional benefits to customize employee coverage.
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