Life Insurance

While 86 percent of Americans believe that life insurance is something most people need, more than a third don’t have any life insurance at all, and those who are insured have coverage equal to less than four times their annual income. Most experts believe that coverage equal to 10 times one’s annual income is a more reasonable rule of thumb.

• Group Life/AD&D
  (For employers with two or more eligible employees)
• Voluntary Life/AD&D
  (For employers with 10 or more eligible employees. Participation must be the greater of 15 percent of eligible employees or six lives)
• Voluntary High Limit AD&D
  (For employers with 10 or more eligible employees. Participation must be the greater of 15 percent of eligible employees or 10 lives)