Group Life Insurance
Help your clients provide income replacement and financial security to families after an untimely death.
Types of Life Insurance
Employer-paid coverage that provides a financial benefit to an employee’s designated beneficiaries in the event of the employee’s death. While it’s not meant to replace long-term income, it can help cover immediate expenses and ease financial stress during a difficult time. Coverage is often provided as a lump sum or a multiple of the insured employee’s salary.
Employee-paid coverage that provides an additional financial benefit on top of employer-sponsored Basic Life Insurance. It helps employees increase the financial protection available to their designated beneficiaries in the event of the employee’s death. Through this coverage, employees can help replace a portion of lost income for their beneficiaries and may elect life insurance coverage for spouses and children.
Employee-paid coverage that provides a financial benefit to an employee’s designated beneficiaries in the event of the employee’s death. It helps employees increase the financial protection available to their beneficiaries and can help cover immediate expenses or replace a portion of lost income. Coverage is elected and paid for by the employee through convenient payroll deductions and may include guaranteed issue amounts with no underwriting requirements up to certain thresholds.
Key features & value-added benefits
No medical questions or exam required
Flexible coverage options, including Basic, Supplemental, and Voluntary Life Insurance
Financial protection for employees and their beneficiaries
Comprehensive support services, including Travel Assist(1) and Empathy Services(2)
How Life Insurance works
45-year-old male and the primary earner in his household, passes away unexpectedly.
Basic Life payout of
$3,625*
Supplemental Life payout of
$100,000*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
Wellness and support resources
Included with BCS Life and Disability coverage, ComPsych(3) offers 24/7 access to confidential counseling, financial and legal support, and digital wellness resources.
How benefits are paid
Payments are made directly to the insured or designated beneficiaries, and can be used to supplement income, pay for medical expenses, and more.
Top questions about Group Life Insurance
Life Insurance helps your clients provide income replacement and financial protection to an employee’s beneficiaries in the event of the employee’s death.
Group Life Insurance helps your clients provide income replacement and financial protection to an employee’s beneficiaries in the event of the employee’s death.
(1) Travel Assist: Services are offered through vendors that are not affiliated with BCS EssentialCare and these services are not insurance. BCS EssentialCare is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue these services at any time. Services may vary and may not be available in all states.
(2) Empathy Services: Empathy services are provided through BCS by Empathy. Empathy is not affiliated with BCS EssentialCare and these services are not insurance. BCS EssentialCare is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue these services at any time. Services may vary and may not be available in all states.
(3) ComPsych: The Employee Assistance Program (EAP) is provided by ComPsych® Corporation. ComPsych is not affiliated with BCS EssentialCare and the services provided are not insurance. BCS EssentialCare is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states.