Group Life and AD&D Insurance
Group life insurance gives employees a benefit many could not secure on their own, with no medical questions asked. Saint Moore Insurance helps employers add guaranteed-issue life and accidental death and dismemberment coverage that strengthens the benefits package.
What Is Group Life and AD&D Insurance?
Group life insurance is employer-sponsored coverage that provides a death benefit to an employee's beneficiaries. The key advantage of the group platform is guaranteed issue: employees are generally covered regardless of health history or current prescriptions, with no individual medical underwriting required. An employee who might be declined for an individual life policy can still receive meaningful coverage through the group plan.
AD&D stands for Accidental Death and Dismemberment. On a $50,000 policy with an AD&D rider, an accidental death may pay double the benefit. A qualifying non-fatal accident, such as loss of a limb, may pay a portion of the benefit. Specific benefit amounts and covered events vary by policy and carrier. Contact the Saint Moore Insurance Employee Benefits department for plan details applicable to your group.
Who Needs Group Life and AD&D Insurance?
Group life and AD&D is one of the most widely added ancillary benefits in the Saint Moore Insurance portfolio. It is especially valuable for:
- Employers who want to offer life insurance without requiring employees to go through individual underwriting
- Employees with health conditions or prescription histories who may not qualify for individual coverage
- Companies building a full benefits package where life insurance adds meaningful value at a manageable cost
For specifics on benefit amounts, eligible dependents, and supplemental options, contact the Saint Moore Insurance Employee Benefits department.
The guaranteed-issue nature of group life insurance is its most important advantage. An employee who would be declined for individual coverage due to a health condition or medication history can receive life insurance through the group platform with no medical questions asked. Saint Moore Insurance can walk you through what guaranteed-issue minimums typically look like for groups of your size.
Accidental Death and Dismemberment coverage is typically added alongside group life at little or no additional cost. Many carriers also include Employee Assistance Program services when group life is written. Saint Moore Insurance identifies these bundling opportunities so your employees get more from the coverage already in place.
Employees who want additional coverage above the employer-paid baseline may have the option to purchase supplemental life or coverage for dependents. Saint Moore Insurance presents both employer-paid and voluntary structures so your team can elect what fits their situation.
How to Add Group Life and AD&D with Saint Moore Insurance
Getting covered is simple. Here’s how to get your policy started with Saint Moore in four easy steps.
Group life and AD&D is one of the simpler lines to add to an existing benefits package. Saint Moore Insurance handles the quoting and enrollment process.
Step 1: Tell Us About Your Group
Share your employee headcount and current benefits setup. Saint Moore Insurance will assess what guaranteed-issue minimums and supplemental options may be available for your group.
Step 2: We Quote the Market
We bring plan options from top carriers, including any bundled EAP services that may come with the coverage at no added cost.
Step 3: Onboard and Enroll
Saint Moore Insurance sets up your group and walks employees through the enrollment process. Employees enroll electronically, and Saint Moore Insurance remains available to answer coverage questions directly.
Local roots. Nationwide reach.
St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.
Ready to Add Life Insurance to Your Benefits Package?
Contact the Saint Moore Insurance Employee Benefits department to learn what group life and AD&D options may be available for your team. No medical underwriting. No complicated enrollment.
