Employer and protection
Life insurance
Term, permanent and employer group life, sized against the obligations that would actually remain if someone did not come home.
- Who it suits
- Both
- Carriers shopped
- The whole panel
- Cost to you
- $0
Overview
What this line actually does
Life insurance is the simplest product we place and the one people most often size by guesswork. The useful question is not 'how much do people usually buy', it is 'what would still have to be paid, and for how long'.
For most working households the answer is term insurance: a large enough face amount, for long enough to cover the mortgage and the years until children are independent. It is inexpensive because the risk is limited and the policy ends. Permanent coverage has real uses, mostly around estate liquidity, a special needs dependent or a business buy-sell agreement, but it is not the default.
On the employer side, group term life is usually the least contentious line on the benefits statement. It is cheap, it enrolls without underwriting up to a guaranteed issue amount, and employees value it more than the premium suggests.
How it works
From first call to in force
Size the need
Debts that survive, income to replace, years to replace it and one-time costs.
Choose the structure
Term for defined obligations, permanent where the need does not end.
Shop underwriting
Health, build, family history and medication each affect class differently by carrier.
Apply and underwrite
Application, any exam or records, then an offer. Accelerated underwriting sometimes skips the exam.
Review every few years
New mortgage, new child, new business partner. Each one changes the number.
What moves the number
Cost factors
| Factor | Why it matters |
|---|---|
| Face amount | The obligations that remain, not a multiple of salary chosen for convenience. |
| Term length | A 20-year term on a 27-year mortgage leaves a gap exactly when the policy has become expensive to replace. |
| Health class | Preferred, standard and substandard classes can differ by a factor of two or more on the same face amount. |
| Tobacco | Rated separately, with most carriers requiring 12 months clear before a non-tobacco class. |
| Group guaranteed issue | Employer plans enroll without underwriting up to a limit. Above it, employees answer health questions. |
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Related lines
Often looked at alongside this
Before you decide
Life questions we hear most
If your question is not here, call the desk. Nobody will put you on a list for asking.
Rarely on its own. Group life is typically one or two times salary, it is not portable when you leave, and it is sized for convenience rather than for your mortgage.
Term for obligations that end, such as a mortgage or the years until children finish school. Permanent for needs that do not end, such as estate liquidity, a special needs dependent or funding a buy-sell agreement.
Not always. Many carriers offer accelerated underwriting at moderate face amounts for applicants in good health, using prescription and medical databases instead of an exam.
Yes. Group term life and voluntary employee-paid buy-up are commonly quoted alongside medical, and the employer-paid portion is usually a small line on the total benefits cost.
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