Flexible employer-paid or voluntary coverage options

Optional benefits like Employee Assistance Program (EAP) or Life Assist

Simplified management with payroll deductions and online tools

Seamless bundling with dental, vision and disability plans

Income Protection When Employees May Need It Most

Life insurance helps provide peace of mind by protecting employees and their families during life’s unexpected moments. Offering it as part of your benefits package shows your team you care about their future.

We offer Group Term Life Insurance on both an employer paid and voluntary basis with options to fit your budget and workforce. Our plans include features like Accidental Death and Dismemberment (AD&D), guarantee issue amounts, and dependent coverage for spouses, domestic partners and children. Enhance your offering with added benefits like Life Assist services for travel and identity theft resolution and Bree Health1 for confidential mental health support and healthcare advocacy.

38%

of Americans say their household would face financial hardship within six months should a wage earner die unexpectedly, and 30% would struggle financially within a month.2

Comprehensive Group Life Insurance Coverage

Providing life insurance as part of your employee benefits package is a meaningful way to show you care about your team’s well-being. It offers invaluable financial security and peace of mind for their families during life’s unexpected moments.

Explore our group life insurance plans below, or simply fill out the form, and we’ll reach out to you or your broker with a personalized quote tailored to your needs.

Explore Our Life Insurance Plans

Renaissance offers multiple options to help your employees feel protected should the unexpected happen.

Looking for disability or accident insurance for your employees? Explore our plans.

Our life insurance plans can be customized to fit your budget and the needs of your workforce.

Features

  • Plans can be employer-paid or partially paid by employees.
  • Optional dependent life, including child (birth to age 26) and domestic partner coverage.*
  • Supplemental employee-paid life with optional dependent coverage available.
  • Retiree coverage will be considered on 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 employees and dependents.

*Subject to state law and underwriting

Renaissance AD&D insurance covers accidental death and injuries, and is designed as a complement to a Renaissance life insurance plan.

Features

  • Plans can be employer-paid or partially paid by employees.
  • Base benefits include loss of life and provisions related to wearing a seat belt and having air bags.
  • 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

  • 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 Coverage: Spouse from $2,000 to $25,000; Child from $500 to $10,000.

Available in certain states, Renaissance Voluntary Term Life plans offer employee choice, plan portability and minimal employer administration with no employer contribution required.

  • Standard plans include coverage in increments of $10,000 or a choice of multiples of annual earnings.
  • Additional plans may be available subject to underwriting approval.
  • Renaissance Life Insurance products may include Life-Assist services: Travel Assist, Identity Theft Resolution Assistance, and Beneficiary Companion Assistance.

Features

  • Employee maximum 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. Contact us to find out which coverage is best for your organization.

Get Even More Value with Extra Benefits

We understand that mental health is as important as physical health. Bundled with Renaissance Life Insurance, these value-added benefits are an effective way for employers to enhance their benefits package and support employee well-being.

Our robust EAP (administered by Bree Health1) provides employees with access to confidential mental health support, as well as overall healthcare advocacy.

Insurance or non-insurance products may not be available in all states or jurisdictions. Some services related to Bree Health might require separate payment.

Renaissance Life Insurance products may include Life Assist3 services, including Travel Assist, Identity Theft Resolution Assistance and Beneficiary Companion Assistance.

Insurance or non-insurance products may not be available in all states or jurisdictions.

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Want to Find Out More About Life Insurance for Your Employees?

Discover how Renaissance life insurance can strengthen your employee benefits offering.

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