Voluntary Life Insurance

What is Life Insurance?

Life Insurance helps protect the financial futures of those who depend on an employee’s paycheck. Group Life insurance helps pay a beneficiary (a person an employee chooses) a lump sum amount upon an employee’s death.
 
Life insurance amounts can range from a flat dollar amount to multiples of an employee’s salary (e.g., 3x the salary). The Hartford's Life insurance also provides other services to an employee and their family, like will preparation, funeral planning, travel assistance and more.
 

Why Employees Need Life Insurance

  • 80% of consumers believe most people need life insurance.§
  • 50% of US Households feel that they need more life insurance and that they would feel the financial impact of losing their primary wage earner in a year or less.2
  • Life insurance policies can help heirs take care of burial and other funeral expenses, replace lost income, and pay off the mortgage.
  • Nearly 7 in 10 U.S. workers – across all generations – believe having a life insurance benefit available to them at work is important and the importance workers place on life benefits has increased by more than 20% over the past five years.2

What Life Insurance Covers

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

Flexible Life Insurance for Businesses

We can help employers choose the life insurance plan that best suits their employees’ needs:
 
  • 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 Evidence of Insurability (EOI)
  • Guaranteed issue amounts based on group size

What Employees Get

The Hartford goes beyond the benefit with built-in value-added services to support an employee's recovery – at no extra cost to the company or the employee.
 
  • Funeral Planning and Concierge Services1 a suite of online tools to guide employees through key decisions before a loss, including help comparing funeral-related costs. After a loss, this service includes family advocacy and professional negotiation of funeral prices.
  • Beneficiary Counseling Services2 offer compassionate expertise to help employees or beneficiaries cope with emotional, financial and legal issues that arise after a loss.
  • EstateGuidance2 Will Services help protect a family’s future by creating a will online – backed by online support from licensed attorneys.
  • Travel Assistance & ID Theft Protection and Assistance Services3 include pre-trip information that helps employees feel safe and secure while traveling. Also available is access to medical professionals across the globe for medical assistance when traveling 100+ miles away from home for 90 days or less when unexpected detours arise. Another important service is ID theft protection, available 24/7 whether home or away. Protection is provided two ways: educational materials to help prevent identity theft, and access to caseworkers who can help resolve problems that result from identity theft.

How to Get Life Insurance

The Hartford makes it easy for brokers and employers to find the right coverage. Connect with a representative from The Hartford today.
 
 
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Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
 
* More plan design options available.
 
§ LIMRA, Life Insurance Consumer Studies Fact Sheet, 2014.
 
LIMRA, Facts of Life: Life Insurance Available Through the Workplace, September 2015. http://www.limra.com/uploadedFiles/limra.com/LIMRA_Root/Posts/PR/_Media/PDFs/2015-LIAM-fact-sheet_Group.pdf
1 Funeral Concierge services are offered through Everest Funeral Package, LLC (Everest). Everest and the Everest logo are service marks of Everest Funeral Package, LLC. 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 and reserves the right to discontinue any of these services at any time. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
2 EstateGuidance® and Beneficiary Assist® are offered through The Hartford by ComPsych® Corporation. 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. A simple will does not cover printing or certain other features. These features are available at an additional cost. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
 
3 Travel Assistance and Identity Theft services are provided by Generali Global Assistance, Inc. Generali Global Assistance, Inc. is not affiliated with The Hartford and is not a provider of insurance services. Generali Global Assistance, Inc. may modify or terminate all or any part of the service at any time without prior notice. None of the benefits provided by Generali Global Assistance, Inc. as a part of the Travel Assistance and Identity Theft service are insurance. Visit https://www.thehartford.com/employee-benefits/value-added-services for more information.
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. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.

Employee Benefits Life Insurance Claims Reviews

About our Customer Reviews

The Hartford publishes reviews so you can read about actual experiences our customers have shared. The reviews on this site are individual descriptions of costs, savings amounts, and customer experiences with our products and services that will vary based on their unique circumstances. Please note that each review is presented in its original form after having been reviewed by The Hartford and reviews are not representative of all customers.

Guidelines for reviews

The Hartford publishes reviews in order that site visitors may learn from actual experiences our customers have shared.

The Hartford applies several guidelines in the consideration of customer reviews for publication on our web site.

In general, reviews are published if they are relevant to the experience and not defamatory.

While the application of publishing guidelines is a subjective process, the following are frequent reasons which may prevent posting of a review:

  • Derogatory, abusive, threatening or offensive language and statements will disqualify a review from being published.
  • In order to protect our customers' privacy, and that of our employees and business partners, reviews containing personally identifiable information will not be published.
  • We do not publish reviews citing exact premium and settlement amounts.
  • We do not publish reviews that include a description of illegal activity or reference pending or current litigation.
  • We do not edit, correct, or modify ratings or reviews, regardless of content or tone.
 

Why Voluntary Life Insurance?

Learn more about how our Voluntary Life Insurance can benefit you and your employees.