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Primary Care Insurance Solutions
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Group Term Life Insurance for Houston Employers

Group Term Life Insurance in Houston

Give Your Team Life Insurance Their Families Can Count On. Group term life pays a death benefit to an employee's beneficiaries if they die while the policy is in force. PCIS builds the plan around your company and your budget, then walks your employees through enrollment.

Get a Quote Call 713-329-6944

How it works

What Group Term Life Insurance Actually Does

Group term life is life insurance you offer through the company. If a covered employee dies during the term of the policy, it pays a death benefit to the beneficiaries they named.

  • The Benefit Goes to the People Your Employee Names

    Each employee names their own beneficiaries. The death benefit is paid to them, not to the company.

  • The Plan Is Built Around Your Company

    We design the coverage to fit your headcount, your requirements and your budget rather than a standard package.

  • We Help You Set the Coverage Amount

    How much coverage an employee needs depends on their circumstances. We assess that with you and recommend an amount.

Why PCIS

Why Houston Employers Place Group Life with Us

Primary Care Insurance Solutions is a Houston brokerage placing benefits for Texas employers. Here is what that gets you on a group life plan.

We Work in Your Market

PCIS is Houston-based. The businesses we advise are in our own community, so we know what they need from a benefits plan.

The Plan Is Tailored, Not Templated

We work with you directly to design coverage that meets your specific requirements.

Group Rates Keep It Affordable

Group pricing puts life insurance within reach for businesses of every size, from a handful of employees up.

Support from Enrollment Through Claims

Our team guides you through the entire process, from enrolling your employees to filing a claim when a family needs it.

What should employers compare in group term life coverage?

Compare a flat death benefit with a multiple of salary, including the definition of eligible earnings and any overall limit. Ask which amounts are guaranteed issue, when evidence of insurability is required, and whether late enrollment or an increase triggers medical underwriting. Guaranteed issue does not mean every employee can enroll at any time without conditions.

Read age-based benefit reductions and exclusions. Portability may let an employee continue group coverage; conversion may let the employee obtain an individual policy. Availability, deadlines, pricing and policy type depend on the contract, so confirm what happens at termination or retirement.

Under Internal Revenue Code Section 79, the cost of employer-provided group-term life coverage above ,000 generally creates taxable imputed income under IRS rules; it is not the entire death benefit that becomes wages. Exceptions and special rules can apply. Review payroll reporting using IRS group-term life insurance guidance.

Coordinate voluntary worksite benefits with your group health insurance options.

Supporting reading for your decision

FAQ

Frequently Asked Questions

What is group term life insurance?

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.

How much coverage do I need?

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.

How do I enroll my employees in a group term life insurance plan?

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.

Reviews

What Our Clients Are Saying

Excellent Service and Great Value! We have had an excellent experience with Primary Care Insurance Solutions. Their pricing is competitive, but what really stands out is their exceptional customer service. Dustin, Kristi, and Jordan always go above and beyond to help our employees with any questions or concerns. They are responsive, knowledgeable, professional, and incredibly efficient. Their quick response and willingness to help make our job much easier and provide our employees with the support they need. We truly appreciate everything they do and highly recommend Primary Care Insurance Solutions to any company looking for great insurance solutions and outstanding customer service!

JORGE ESQUIVEL

As someone new to the HR field, I am incredibly grateful to have trusted partners like Primary Care Insurance. Their expertise in medical benefits has truly made me look like a rock star within my organization! The team works diligently to put together the best package for our company, ensuring that we fully understand all of our options. They take the time to explain everything clearly to our team, which has made a significant difference in our decision-making process. What sets them apart as commendable brokers is their reliability and commitment to our success. They are not just a service provider; they are a trusted partner that genuinely cares about our needs. I couldn't recommend Primary Care Insurance more highly!

Melita Washington

Primary Care Solutions made getting health insurance much easier than I expected. Their team was professional, helpful, and took the time to walk me through different coverage options. They answered all my questions and made sure I understood everything before choosing a plan. The whole process was smooth, and I appreciate how supportive and responsive they were. I would definitely recommend Primary Care Solutions to anyone needing help with health insurance.

Dylan Peltier

I'm happy that I found a company that provided excellent service for my employees and myself. Dustin was very informative and helpful during our initial interest in exploring Primary Care offerings.

eric partida

Primary Care delivered outstanding care and service for both my employees and myself. Other providers fell short of our expectations, but Primary Care presented an unbeatable offer that truly met our needs.

Laura Mosquera

This company deserves nothing but a 5/5 I would give it 6 stars if I could. They’ve done an exceptional job at keeping myself & my employees in good hands when it comes to our health, if there’s any questions or concerns they’re always there to help with no problem.

Gabby Villa

Choosing the right health insurance can be daunting, but my experience was completely different. The advisor I worked with was incredibly knowledgeable and took the time to explain all my options in detail, ensuring I fully understood each plan. They were patient and attentive to my concerns, which made me feel confident in my decision. If you're worried about finding the right coverage, I'd highly recommend seeking their expertise. I now feel secure and satisfied with my plan, knowing it truly meets my needs.

Darrell Hayes

Best decision we have made. Happy to find a company who is willing to go above and beyond for me and my staff. I will recommend them to everyone.

C Anyanwu

Great at what he does! Very knowledgeable and helpful. Won’t disappoint.

Adri

Give Your Houston Team a Life Benefit Their Families Can Count On

Tell us your headcount and what you want the benefit to do. We will put together a plan and a free quote, and handle enrollment with your employees.

Get a Quote Call 713-329-6944