Offers financial protection for employees and their families

Includes added support features like Life Assist Services and Bree Health

Flexible plan options to suit individual and family needs

Portable coverage options for when employment changes

Safeguard Your Loved Ones with Life Insurance

Life insurance is a valuable benefit that helps protect employees and their families, providing financial security if the unexpected happens. If others depend on you and your income, they would likely face financial challenges if you were to pass away.

Money from life insurance can be used to cover many different needs ‒ from mortgage, rent or loan payments to child care, college tuition, medical bills and daily living expenses.

Life Insurance Plans for Employees and Families

Renaissance makes financial protection simple for employees and their families when it matters most, backed by an A (Excellent) Financial Strength Rating from AM Best. All group life insurance plans include added Life Assist Services, like Travel Assistance, Identity Theft Resolution and Beneficiary Support.1 Some plans also feature Bree Health, providing extra support for health and wellness needs.2

Renaissance Group Life Insurance plans offer flexible, employer-backed protection tailored to support employees and their families. With a variety of options and features, our plans are designed to meet diverse needs and provide financial security when it matters most.

Group Life Insurance Features

  • Options for employer-paid plan or plans partially paid by employees.
  • Optional dependent life, including child live birth to age 26.
  • Domestic Partner coverage.*
  • Supplemental employee-paid life with optional dependent coverage available.
  • Retiree coverage will be considered for groups of at least 25 active employees.
  • Waiver of premium elimination period of 6 or 9 months.
  • Accelerated Death Benefit for terminal illness (Living Benefit).
  • Conversion and portability available to employee and dependents.

* Subject to state law and Underwriting

Accidental Death and Dismemberment (AD&D) coverage provides extra financial support for you and your family if a serious injury or accidental death occurs. Covering unique situations like loss of sight, limbs or a fatal accident, AD&D adds an extra layer of protection beyond basic life insurance—giving you peace of mind, especially in higher-risk roles or if you want added security.

Accidental Death and Dismemberment Features

  • Options for an employer-paid plan or a plan partially paid by employees.
  • Base benefits: Loss of life, seat belt, and airbag.
  • Optional enhanced benefits for Quadriplegia, Paraplegia, Hemiplegia, Triplegia, Uniplegia, Loss of Hand/Foot/Sight, Loss of Speech and Hearing, Spouse Training, Child Education, Repatriation, Child Care Expense, Common Carrier Hazard, Coma

Guarantee Issue Amounts make life insurance easy to secure—no medical exams or health questions needed, up to a set coverage limit. This option is perfect for anyone who wants quick, hassle-free protection, especially if health issues could otherwise make getting insured a challenge.

Guaranteed Issue Amounts Features

  • Between $50,000 and $500,000, depending on the number of covered employees and total adjusted volume.
  • Larger amounts are available depending on case specifics and evidence of insurability satisfactory to the underwriter.
  • Supplemental amounts depend upon plan design, the number of eligible employees and participation level.

Dependent Life Insurance provides added coverage for your spouse and children, offering financial support if the unexpected happens. This option ensures a safety net for your loved ones, with flexible coverage levels to fit your family’s needs, helping cover expenses like medical bills and funeral costs. It’s a simple way to give your family extra peace of mind.

Dependent Life Insurance Benefit Amounts

  • Spouse from $2,000 to $25,000*
  • Child from $500 to $10,000*

* Subject to state law and Underwriting

Voluntary Term Life Insurance lets you add extra coverage on top of your employer-provided plan, giving you the flexibility to choose what’s right for you and your family. You can adjust your coverage in amounts that fit your needs—and even keep it if you change jobs—making it an ideal choice for adaptable, long-term protection as your financial needs grow.

Voluntary Term Life Insurance Features

  • Standard plans include increments of $10,000 or a choice of multiples of annual earnings. Additional plans may be available subject to Home Office underwriting approval.
  • Employee maximum available up to $500,000.
  • Guaranteed issue depends upon the number of eligible employees, the participation level, and the age of the enrollee.
  • Optional AD&D.
  • Waiver of premium is included. For an employee who is totally disabled prior to age 60, coverage may continue to age 65. If premium is waived for an employee, then it is also waived for his or her spouse and children.
  • Spouse coverage available not to exceed 50% of employee amount. Child coverage available.
  • Participation requirements are the greater of 20% of eligible employees or 10 enrolled employees (special state requirements may apply).
  • Portability of coverage is available to an employee whose employment is terminated for any reason (including retirement) other than illness or injury. Spouse and child coverage is also portable if covered when the employee terminates (may not be available in all states), but only if the employee elects portability for himself or herself.
  • Rates are unisex in five-year bands.
  • This product is not available in all states.

Already Have Life Insurance Through Renaissance?

Managing your Renaissance life insurance benefits is straightforward. Access your account to review coverage, update personal details and explore additional resources to help you maximize your benefits.

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Enhance Your Protection with Value-Added Offerings

Renaissance Group Life Insurance products may include a variety of complimentary services and resources that employees can use as additional benefits. These valuable offerings are designed to enhance your life insurance experience, providing you and your family with additional peace-of-mind and support.

All Renaissance Group Life Insurance plans are bundled with Renaissance Life Assist1, a collection of value-added, non-insurance services that offer assistance with many of life’s challenges. Through Life Assist, employees and their families can access a variety of complimentary offerings, such as:

  • Travel assistance
  • Identity theft resolution support
  • Beneficiary companion assistance

Our Group Life Insurance plans may also include the value-added services of Bree Health2, a comprehensive employee health and wellness program. In addition to behavioral health support, the Bree Health Employee Assistance Program (EAP) includes legal and financial consultations. This unique program takes a holistic approach to wellness, offering solutions and resources that address mental and emotional well-being. Services include:

  • Behavioral health counseling
  • Health advocacy
  • Work/life concierge
  • Legal and financial consultations
  • Child and elder care resources
  • Online training and resources
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