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Health Insurance for the Home Based Business Owner
Most people who dream about having their own home based business put it off for one major reason - their health insurance and other benefits. Health insurance is important to any home based business owner, as you are the sole source of income for...
Homeowners’ insurance: The mortgage connection
A home owners’ insurance is the cover for the house against natural calamities as well as liability. This covers the house and its contents but also other personal possessions which the house secures. The natural calamities include fires and winds....
Life Insurance - Helpful Tips For Getting A Cost Effective Policy
Copyright 2005 Dean Shainin
Many things factor in with getting a cost effective life insurance quote and policy. It is wise to take some time out and do some important research first. With online access, it is much easier today than it used to be....
Life Insurance Without Life Value: Why Young People Are Snubbing Financial Advice
This article is written by a 27 year old female (borderline Generation X / Y) called Rachel. Rachel spent six years at university, has no outstanding debts with the exception of government student loans. Rachel also has no pension plan, no life...
Terrorism: Acts of Terrorism: When will Insurance Respond?
Insurance policies provide financial protection in a broad range of circumstances but each type of product specifies certain situations where the policy will not respond. These vary from one type of product to another, and can vary in detail...
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Group Term Life Insurance and the Options Available
Group term life insurance is more affordable than individual life insurance policies because the costs to the insurer are lower. They have less paperwork to handle, and are guaranteed multiple accounts from one sale - which is their incentive for offering this type of policy.
A group term life insurance policy offers life insurance coverage to all the employees of a particular organization, or to any other group of people that apply for it. It covers the unexpected death of an employee, and group term life insurance benefits are usually calculated based on the employee’s lost income wages.
Offering group term life insurance is much more affordable for a company than offering individual life insurance policies for each employee. Considering how important it is to offer competitive benefits in order to attract the best employees, group term life insurance is a great option for both employer and employee alike.
Many group term life insurance plans can also be converted into individual policies if an employee leaves the company, which is an attractive flexibility option. Insurance premiums are even tax-deductible,
which makes group term life insurance even more attractive to any employer.
Additionally, most group term life insurance policies don’t require individual physical examinations for the employees covered, so employees who may not be able to obtain a competitive life insurance policy on their own can still be covered under group term life insurance. This alone can attract employees to your company over another, whether group term life insurance may not be offered and it’s up to individuals to pay their own premiums.
Group term life insurance is a great benefit to provide to employees and is much cheaper than a comparable number of individual life insurance policies. With no medical exam requirements and full payout, it is a great choice for any group of individuals.
About the Author
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Brad Triggs provides more information and
free insurance quotes at his website:
Insurelinq.com - Group Term Life Insurance
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