Excellence in Life Benefits
Life Insurance is one of the traditional key benefits that enable employers to attract and retain desired employees. Over 40% of American workers carry life insurance only through their workplace. And for employees facing the loss of a loved one, Group Life Insurance can be a financial lifeline.
Most Group Life insurance policies are term policies, typically covering employees while they are working for your company. Because Employee Benefits are all we do at R. Curtis Insurance, we are able to offer the widest variety of options for covering your employees cost-effectively. From classic Group Term based on salary or the employees class level, to exciting new products that combine the best features of traditional products, we carefully assess your needs to develop the best coverage options for your employees - and your budget.
Group Term Life
Group Term Life Insurance is the most traditional plan offered by employers. Most basic group life plans are worth one year's salary. At R. Curtis Insurance we focus on expanding your options with products that offer attractive premium scheduled for employers. We also offer products that expand employee options, such as:
Executive Life
Executive Life gives key management personnel the coverage they need over the maximum group term limits. Executive Life also can provide protection for the company and tax advantages for both the employees and employer. Many types of Executive Life programs exist, including:
Voluntary Group Life
Voluntary Group Life insurance plans continue to grow in popularity as rising costs encourage companies to transfer responsibility to the employees. In Voluntary Group Life programs employers typically offer the program through payroll deduction to enhance participation. We offer a superior selection of Voluntary Group plans with features that can include :
Core Buy-Up Life
Core Buy-Up life combines the best of Basic and Voluntary Term Life to create an innovative product with advantages for employers and for employees. In these programs employers provide a "core" amount of insurance - usually a $20,000 minimum - for each employee. The employees then have the opportunity to "Buy-Up" and select additional coverage for themselves and for their families.
These Programs :
Excellence in Selection
The R. Curtis Advantage of superior service and unsurpassed industry knowledge is your advantage. We work side by side as your partner to assess which type of Life Insurance program will best meet your employees' needs - and your budget.
Most Group Life insurance policies are term policies, typically covering employees while they are working for your company. Because Employee Benefits are all we do at R. Curtis Insurance, we are able to offer the widest variety of options for covering your employees cost-effectively. From classic Group Term based on salary or the employees class level, to exciting new products that combine the best features of traditional products, we carefully assess your needs to develop the best coverage options for your employees - and your budget.
Group Term Life
Group Term Life Insurance is the most traditional plan offered by employers. Most basic group life plans are worth one year's salary. At R. Curtis Insurance we focus on expanding your options with products that offer attractive premium scheduled for employers. We also offer products that expand employee options, such as:
- Expand group life insurance with benefits that may include two or three times an employee's annual salary
- Minimum guaranteed issue life amounts for all amounts for all eligible employees
- Portability features that allow employees to continue coverage after they leave or retire
Executive Life
Executive Life gives key management personnel the coverage they need over the maximum group term limits. Executive Life also can provide protection for the company and tax advantages for both the employees and employer. Many types of Executive Life programs exist, including:
- Split-Dollar
- Key-Man
- Buy-Sell
Voluntary Group Life
Voluntary Group Life insurance plans continue to grow in popularity as rising costs encourage companies to transfer responsibility to the employees. In Voluntary Group Life programs employers typically offer the program through payroll deduction to enhance participation. We offer a superior selection of Voluntary Group plans with features that can include :
- Guarantee Issue life amounts for eligible employees and dependents
- No minimum participation
- A specified amount of term insurance
- Competitive programs for groups of all sizes
- Products where life benefits do not reduce with age
- Accelerated death benefit
- Portability
Core Buy-Up Life
Core Buy-Up life combines the best of Basic and Voluntary Term Life to create an innovative product with advantages for employers and for employees. In these programs employers provide a "core" amount of insurance - usually a $20,000 minimum - for each employee. The employees then have the opportunity to "Buy-Up" and select additional coverage for themselves and for their families.
These Programs :
- Offer employees valuable, portable life insurance at group rates that is paid for through payroll deduction
- Offer employers the opportunity to give employees enhanced benefit options without adding to the employers' insurance costs.
- Provide an avenue for employees to purchase lower volumes of life coverage (sometimes considered not worthwhile to independent agents).
Excellence in Selection
The R. Curtis Advantage of superior service and unsurpassed industry knowledge is your advantage. We work side by side as your partner to assess which type of Life Insurance program will best meet your employees' needs - and your budget.
