Group Term Life Insurance

BEST Life offers a selection of group term life policies. All come with dependent spouse coverage and the option to add AD&D coverage.

BEST LIFE GOLD

Group Term Life for groups with 10 or more enrolling:

1. Offered as Employer-contributory;
2. Optional coverage includes Accidental Death & Dismemberment, Dependent and Supplemental Life benefits;
3. Crticial Illness, Cancer Care, Daycare and Repatriation of Remains available;
4. Seat Belt, Airbag and Accelerated Death benefits included;
5. Individuals can increase coverage for themselves, or include insurance for their children;
6. Guarantee issue amounts are based on total group volume; and
7. 2-year rate guarantee and discounts are available for preferred industries.
8. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MD, MI, MS, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT and WY. Additional states pending approval.

Essential Group Life

An employer-contributory Group Term Life plan for groups with 2 or more enrolling

1. Optional AD&D, Dependent and Supplemental Life
2. Individuals can increase coverage for themselves, or include insurance for their children
3. Guarantee issue amounts are based on total group volume
4. 2-year rate guarantee and discounts are available for preferred industries
5. Voluntary policy available up on request
6. Available in FL, LA, MO, MT, NC, VA and WA.

BEST LIFE SILVER - Voluntary/Supplemental

Requires a minimum of ten participants for stand-alone or a minimum of 2 lives if purchased in conjunction with any other BEST Life plan.  Employees can choose coverage in $10,000 increments up to five times their annual earnings to a maximum of $500,000.

1. For groups with 2 to 9 employess a minimum of 2 lives enrolled required;
2. Groups with 10 or more employees enrolled require at least 25% participation;
3. Guarantee issue based on age and group participation;
4. Optional Accidental Death & Dismemberment (AD&D) benefit available for employees only;
5. Seat Belt and Airbag benefit included with AD&D;
6. Accelerated Death benefit included with basic coverage; and
7. Supplemental Life available for employees and dependents who want to increase coverage.
8. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MD, MI, MS, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT and WY. Additional states pending approval.

BEST LIFE BRONZE

This Group Term Life plan is designed for employer-contributory groups with 2 to 9 employees enrolling.

1. $15,000 guarantee issue for 2-4 lives;
2. $25,000 guaranteed without Evidence of Insurability for groups with 5-9 enrolled;
3. Additional amounts up to $100,000 available with Evidence of Insurability;
4. Optional Accidental Death & Dismemberment (AD&D) benefit available for employees only; and
5. Supplemental Life available for employees and dependents.
6. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MD, MI, MS, ND, NE, NM, NV, OH, OK, OR, PA, SC, SD, TN, TX, UT and WY. Additional states pending approval.

How to obtain more information

If you would like to learn more about our products, you can either ask your insurance agent or contact us by filling out the form request below:

 

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