Group Term Life Insurance

You know that protecting employees and their families is a critical responsibility, and that means more than just providing a safe place to work. Group Term Life coverage can provide your employees and their families the additional financial security they need in the event of an unforeseen death. Offering employees and their families protection outside the workplace protects your employee investment, while helping recruit and retain the talent you need to succeed.


Accidents can happen anytime, anywhere. For pennies on the dollar, Accidental Death & Dismemberment (AD&D) coverage provides an additional layer of protection for employees and their loved ones in the event of an accidental injury or death. Standard features include coma, seatbelt/airbag/helmet, disappearance, and repatriation benefits.


  • Child Care Benefit
  • Common Carrier Benefit
  • Critical Burn Benefit
  • Felonious Assault Benefit
  • Higher Education Benefit
  • HIV/HEP Benefit
  • Home and Vehicle Modification Benefit
  • Paralysis Benefit
  • Rehabilitation Benefit
  • Respite Benefit
  • Spouse Training & Education Benefit


Financial protection goes beyond employee coverage. An employee may need coverage for a dependent whose loss would result in financial strain. You can give your employees the opportunity to protect dependents by offering coverage for spouses and children.


We are proud to provide The Dignity Planner, which allows your employees to create personalized funeral plans for themselves and their loved ones through a network of more than 2,000 providers.1 Employees choose a location for a memorial and specify their preference for burial, cremation, memorial services, charitable donations, flowers, obituaries, and death notices. After building a complete plan, it can be shared with loved ones.


USAble Life understands that unexpected events can occur whether your employees are traveling on business or for pleasure. That’s why we’ve partnered with AXA Assistance USA., Inc., to provide global emergency response and everyday travel assistance to our members, their spouse, and dependent children at no additional cost. Available 24 hours a day, year round when you travel 100 or more miles from home, AXA services include emergency medical transportation, lost document and luggage tracking, emergency cash advances, multilingual translation, legal referrals, and more. AXA also provides helpful information for travelers through an extensive Travel Web Portal, including medical and security alerts, an online global medical provider directory, and vaccination recommendations.2

This provides a brief description of USAble Life’s Group Term Life and Accidental Death & Dismemberment coverage. This is not an insurance policy. Limitations and exclusions may apply and coverage may be reduced or terminated due to lack of eligibility. Please read the insurance policy and certificate carefully.

  1. Dignity Planner site provided by SCI Shared Resources, LLC; The Dignity Memorial Network is comprised of funeral, cremation, and cemetary providers, which are affiliates of Service Corporation International, with corporate offices at 1929 Allen Parkway, Houston, TX 77019; availability of services, merchandise, and pricing may vary by area and location
  2. USAble Life has contracted with AXA to offer the service to our Group Term Life policyholders
  3. 2016, Facts of Life: Life Insurance Available Through the Workplace, LIMRA®

Product Highlights

  • Foundation of a competitive employee benefits plan
  • Easy to enroll
  • Easy to administer
  • Provides essential coverage to your employees