Frequently Asked Questions

Group term life insurance is a type of life insurance offered by employers to their employees. It provides a death benefit to the employee’s beneficiaries in the event of their passing during the term of the policy.

For employer-sponsored life coverage, compare a flat death benefit with a salary-based amount, the employer budget and optional employee-paid coverage. Review guaranteed-issue limits, evidence of insurability, age reductions and portability or conversion. Employees should separately consider dependents, debts and existing personal coverage.

Prepare an employee census, eligibility rules, employer contribution and desired benefit amounts. Confirm guaranteed-issue limits and any evidence-of-insurability requirements, then collect elections and beneficiary designations through the carrier’s approved process. Primary Care Insurance Solutions (PCIS) can help coordinate enrollment and effective dates.