Voluntary Life Insurance

Voluntary Life Insurance


Connect with an employee benefits representative to explore your Voluntary Life insurance options today.
Voluntary Life Insurance

What Is Life Insurance?

Employees don’t want to worry about the unexpected. Help protect their financial futures and support the families who depend on your employees’ paychecks by offering Life Insurance. This benefit pays a beneficiary (a person an employee chooses) a lump sum amount upon an employee’s death.
Life Insurance Benefits Overview

Learn More About Life Insurance

Discover how our Life insurance can support your employees in this video.

Why Employees Need Life Insurance 

Life insurance can help relieve financial strain for families and beneficiaries after an employee’s death. Payouts 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.
Despite the importance of this protection, less than a third of consumers say they are “very” or “extremely” knowledgeable about Life insurance.1 And 44% of Millennials overestimate the annual cost of this benefit.2
Life insurance is a key element of financial security. Among insureds with financial dependents, 68% say they feel secure compared with only 47% of non-insureds.2 Offering these benefits can help empower your employees to protect what matters most, in the moments when it’s most needed.

What Life Insurance Covers

Our Term Life insurance offers more than just death benefits. The following options are also available:
  • Living Benefit Option (Accelerated Death Benefit)
  • Accidental Death & Dismemberment (AD&D) Rider
  • Disability Waiver of Premium
  • Portability
  • Conversion

Life Insurance Is Flexible

We can help employers choose the Life insurance plan that best suits their employees’ needs, including:
  • 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
Get the facts about Voluntary Life plans from The Hartford’s Employee Choice Benefits.SM
5759r NS 06/22
Life Form Series includes GBD-1000, GBD-1100, or state equivalent.
* More plan design options available.
1 https://www.limra.com/en/newsroom/news-releases/2021/2021-insurance-barometer-study-reveals-common-misconceptions-that-prevent-americans-from-getting-life-insurance-they-know-they-need/, viewed as of 6/24/22.
2 LIMRA 2022 Life Insurance Barometer Study: 2022 Insurance Barometer Study (limra.com), viewed as of 6/24/22.
3 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit https://www.thehartford.com/employee-benefits/beyond-insurance for more information.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at www.thehartford.com. Todos los beneficios están sujetos a los términos y condiciones de la póliza. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.