Group Life and Disability Insurance
Group Life Insurance
As an employer, you are aware of the importance of employee benefits and their contribution to your Company’s success. And, just as individuals need to periodically evaluate their own individual life policies, Companies should evaluate their Group Life policy on a regular basis as well. This is especially true if you are experiencing significant growth or downsizing. Anderson Rose & Associates can review your current policy and make recommendations to ensure you have the best coverage at affordable rates for your employees.
We believe that a well designed Group Life Insurance plan provides specific advantages to both you and your employees in the following areas.
Advantages to the Employer:
- Federal income-tax deductible premiums.
- Desirable fringe benefit to offer new employees.
- Contributes to employee security, loyalty, and higher morale.
- Valuable life insurance protection provided at a considerable group discount.
Advantages to the Employee:
- Guaranteed Issue life insurance protection provided at low group rates.
- Waiver of Premium Disability Benefit rider is usually available at no extra cost.
Group Disability Insurance
For most employees, the ability to earn a living is their most significant financial asset. Lengthy periods of disability due to an illness or injury can be financially devastating to employees and their families. Protection against that risk lies in disability income insurance, a product that can provide income to an employee should he or she become sick or injured and unable to work. It can protect workers and their families against financial catastrophe by helping to meet daily expenses and provide them the flexibility to focus on their recovery and return to work.
With a reasonable cost and high benefit potential, Group Disability protection is one of the best employee benefit values available today. Many employers include disability insurance as an integral part of their employee benefit offering and consider it a key benefit for attracting and retaining talented employees.
At Anderson Rose & Associates we represent several highly rated insurance carriers and can provide quotes for all of your Group Life and Disability Insurance needs on an employer-sponsored and/or voluntary basis.
Contact us today at (503) 427-1921 for a no-obligation review of your current Group Life and Disability policies.
As you contemplate searching for the right insurance professional to assist you with your employee benefits program ask yourself these questions:
Q. Do I know if my benefits program is costing me more than necessary?
Q. Do I understand the benefits and limitations of our current insurance plans? Do my employees?
Q. When is the last time I had an independent review of my entire benefits program?
Q. Does your agent provide a comprehensive marketing analysis with your best benefit options well in advance of your renewal for you to make an informed decision?
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