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Products:

Life Insurance Programs

Overview:

Life Insurance can be offered as an employer paid benefit or on a pure voluntary basis. Voluntary plans allow the employee to purchase additional life insurance coverage through the convenience of payroll deductions. The plans provide guaranteed issue amounts (no health questions) and are completely portable.

Employee Advantages of Voluntary Life Insurance

Most employees have a need for additional life insurance protection above and beyond the basic group term insurance that employers provide. Where do these people turn? Many simply do not look for this additional coverage because they don't know where to go, are confused by insurance, or are just intimidated to invite an insurance agent into their home. Most people would agree that inviting a life insurance agent into their home is not on their top ten list of things to do. The fact is most people are uncomfortable with an agent coming into their home for fear they will be pressured. How do they find a good agent? Are they getting sound advice? Is the company and its products reputable?

  • Employees feel comfortable that the employer has looked at the market and chosen a quality company and product.
  • Holding group meetings alleviates the fear of being pressured.
  • Employees have access to professional advice they most likely would not get on their own.
Benefits
  • Portable Benefits - When employees leave employment they can not take their group term insurance coverage with them. Voluntary plans allow your employees to retain their coverage at the same rates if they leave your company. Billing is then handled directly between the insurance carrier and the employee.
  • No Medical Questions - Most programs we offer provide guaranteed issue life insurance up to a specified amount. This means employees and their dependents can qualify for coverage immediately, even if they have significant health problems that would otherwise exclude them from getting coverage. Additional coverage can also be purchased on a simplified underwriting basis.
  • Low Cost Group Rates - Purchasing through a group provides discounted rates.
  • Convenience of Payroll Deductions.
  • Savings - These policies can provide additional money for retirement income, college funding and emergency funds.

Voluntary life insurance programs provide your employees with a quality product on a guaranteed issue basis at low group rates. The convenience of payroll deduction and the professional advice they will receive make these programs winners for both the employer and the employee.

Contact Information:

Landmark Insurance Associates, Inc.

5388 East Mountain Street
Stone Mountain, GA 30083

Tel: 770-498-6969
Fax: 770-498-1969