Life Insurance vs. AD&D

Fringe Benefit Analysts

An untimely death impacts every aspect of your family’s life, but if you don’t have coverage from an insurance provider, your family can end up with the stress of figuring out how to financially recover. What Is Life Insurance? Pros and Cons of Life Insurance.

How Life Insurance Works With Wills And Trusts

Take It Personel-ly

There aren’t many things more important in your financial plan than your life insurance and final will and testament. Business Lifestyle insurance last will and testament Law legal life insurance Trust will


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What is Voluntary Life Insurance? | BerniePortal


During the enrollment process , employers often offer ancillary benefits like voluntary life insurance to supplement basic life coverage. So, what is voluntary life insurance?

What is Basic Life Insurance? | BerniePortal


As part of that enrollment process, employers often offer ancillary benefits like basic life insurance as well, but unlike health coverage , basic life coverage alone may not be enough to cover all of an employee’s needs—especially if they have a family.

I have group life insurance through work. Is it enough?

Take It Personel-ly

Employer-sponsored life insurance comes as a well-intentioned perk for loyal employees. Getting covered through work is a less expensive way to protect your family, especially when you need life insurance but haven’t shopped around for one yet.

How to Start a Life Insurance Brokerage in 2021

Take It Personel-ly

Becoming an owner of a successful insurance brokerage can be a long and exhausting process, but it is definitely worth it. If you want to start a life insurance brokerage, you will need to do […].

How Choosing The Right Life Insurance Policy Can Help Protect The Future Of Your Loved Ones

Take It Personel-ly

Life insurance is something that we all at a certain age are bound to give some serious thought to. Life is fragile and finite. Lifestyle family family health finance finances financial financial tips insurance last will and testament life insurance personal finance will

Do You Offer Group-term Life Insurance? Here’s What That Means for Taxes

Patriot Software

Company-sponsored life insurance is a pretty popular employee benefit. Thinking about offering group-term life insurance? Read on to learn: What is group-term life insurance? Is group-term life insurance taxable?

What is a return of premium life insurance policy?


If you outlive your life insurance policy, can you get your premiums back? However, a return of premium life insurance policy is the exception. This life insurance product allows policyholders to collect a refund of the premiums they have paid.

When you take the commission, you owe clients the consultation

Employee Benefit News

Life insurance Disability insurance

Trends to Watch in Life Insurance

Winston Benefits

Do your employees know what they need to about life insurance? People tend to overlook life insurance, because they think they’re too young to need it, or they don’t understand what it could be used for. September is Life Insurance Awareness Month , so now is a perfect time to educate your employees about life insurance and what it can do for them. employee benefits Life insurance

What is the difference between term insurance and whole life insurance?


You’ve decided you need life insurance. Now you need to decide which type of life insurance you need. Life insurance policies aren’t all the same. So what’s the right life insurance policy for you? Term vs. Whole Life Insurance.

It’s for the Rest of Your Life: The Most Important Life Insurance Questions to Ask

Take It Personel-ly

Are you one of the 52% of Americans who think life insurance is too expensive? We’re going to go over the essential life insurance questions so you have the […]. Lifestyle Business business leaders business tips excellence finance finances financial financial tips Growth Humanbiz Improvement life insurance life skills personal financeOr maybe you’re one of the 12% who doesn’t know how much coverage to get.

How to Answer Employees' Questions About Life Insurance

Winston Benefits

Life insurance is like the tax code. Life insurance retirementWe all know it’s there (and know we should have a basic knowledge of it) yet most of us will never fully master it.

Insurance Tips for Millennials: 7 Hacks To Make Adulting Easier

Take It Personel-ly

From applying for student loans and purchasing a home to having children and buying insurance, there are many decisions millennials are tackling at the moment, all of which can seem daunting. This is especially the case when it comes to insurance.

Movie, Life Insurance Test Provide Friendly Reminder Not To Screen Employees


In the newly released movie, The Farewell , everyone in the family knows that the matriarch, Nai Nai, only has three months to live—except Nai Nai. The family decides not to tell Nai Nai so she won’t be worried. To see her one last time before she passes, family from the U.S. and Japan go home to China to visit Nai Nai under the guise of attending a wedding. Corporate Wellness

Reduce Financial Stress with This Type of Insurance

Best Money Moves

Reduce financial stress with this type of insurance. Research by Life Happens shows most Americans with life insurance experience less financial stress knowing their family is financially protected. Americans say feeling financially secure adds the most meaning to their lives, even more than being in love or owning a home, according to recent research by Life Happens. How Life Insurance Reduces Financial Stress. Through life insurance.

How A Woman Lost Her Famous Singer Husband In A Plane Crash

Take It Personel-ly

Lifestyle finance finances financial financial management last will and testament life life insurance money money managementIt was early Sunday evening, Steve had just finished performing at the Lucky Strike Bar in Los Angeles.

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5 Smart Estate Planning Strategies to Keep in Mind

Take It Personel-ly

Business Lifestyle business outcomes business tips estate planning excellence finance finances financial financial tips Growth Improvement Inspiration last will and testament life insurance Motivation personal finance planning will

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Rethinking Benefits for Millennial Employees

Winston Benefits

Millennials wellness Life insuranceAre you in tune with what your millennial employees want and need from their benefits? Their interests may be different than those that you associate with your older workers. As an HR or benefits pro, it’s up to you to understand these differences so you can best serve the needs of your workforce and recruit new millennial talent in the future. Here are some articles to help you begin viewing benefits with a millennial perspective.

Form W-2 Box 12 Codes and Explanations

Patriot Software

The codes range from life insurance coverage to […] READ MORE. Each year, you need to file Form W-2 for your employees. You might need to use Form W-2 Box 12 codes to accurately fill out Form W-2.

Small Business Saturday

Employer Connection

and Trustmark Life Insurance Company. Saturday, Nov. 26, 2022, is Small Business Saturday ® : It’s a great opportunity for many small businesses to promote themselves and attract customers.

Highlights from an Estate Planning Seminar

Money Talk

joint ownership with right of survivorship) or beneficiary designations on contracts such as life insurance policies, individual retirement accounts (IRAs), and tax-deferred employer retirement savings plans always take precedence over the terms of a will.

How Your Covered Employees Can Find Quality, Affordable Care

Employer Connection

and Trustmark Life Insurance Company. Trustmark ® and Trustmark Small Business Benefits ® are trademarks of Trustmark Insurance Company. Employees covered under a plan administered by Star Marketing and Administration, Inc., can now access an enhanced online tool designed to help them locate doctors and facilities in their area with the best quality and price on a medical test, imaging or procedure.

What Is a Life Settlement and How Does It Work?

Kollath CPA

A life settlement is a way to get cash for a life insurance policy you no longer need or can no longer afford. What Is a Life Settlement and How Does It Work? In contrast, with a life settlement, you don’t necessarily need to be ill.

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Taking a Holistic Approach Business Succession Planning


Two ways to achieve these outcomes are with executive benefits and life insurance. Life Insurance. As a business owner ages, the uses for life insurance can evolve.

Group risk benefits provide critical support for CIPHR’s staff

Employee Benefits

CIPHR has always offered an extensive range of health benefits including life insurance , employer-paid private medical insurance and annual health assessments for its 230 employees. Life can be challenging so it’s good to offer support where we can.”.

Covered Employees Can Save Using Healthcare Bluebook

Employer Connection

and Trustmark Life Insurance Company. Remind covered employees to shop for healthcare using Healthcare Bluebook TM. This online tool aids shopping by showing which facilities in their area have historically offered high-quality, lower-cost care. With Healthcare Bluebook, covered employees can always find the best value. Healthcare Bluebook is included with self-funded major medical and limited medical plan designs administered by Star Marketing and Administration, Inc.

How to Introduce Voluntary Benefits for the First Time

Winston Benefits

Attract and retain employees looking for extras like short- and long-term disability insurance, critical illness coverage and life insurance. Voluntary benefits might give you the competitive advantage you need in a tight labor market. If you’ve decided to add these voluntary offerings, what do you need to know to successfully introduce them for the first time? voluntary benefits

Importance of Medical Second Opinions

Employer Connection

or Trustmark Life Insurance Company. A medical second opinion is all about patients being confident in the major decisions they are about to make after receiving a new medical diagnosis or when deciding about a treatment plan. Major medical health benefit plans administered by Star Marketing and Administration, Inc., offer access to Included Health for medical second opinions. It’s always a good time to remind covered employees about this service.

Employee benefits for small businesses


Health Insurance for Small Business. Under the ACA, small employers with fewer than 50 full-time equivalent employees are not required to offer health insurance or subject to the employer shared responsibility provisions. Overall, 59 percent of firms offer health insurance.

Grand Rounds Is Now Included Health

Employer Connection

or Trustmark Life Insurance Company. Trustmark ® and Trustmark Small Business Benefits ® are trademarks of Trustmark Insurance Company. Included Health, formerly known as Grand Rounds, has a new look and the same world-class care. There are no changes to the medical second opinion service, and Included Health will continue to be a personal care team available at no additional cost for eligible employees.

What is ancillary health insurance?


Ancillary health insurance is a secondary type of coverage used to supplement your traditional health insurance. The term “ancillary” means “providing additional help or support,” and that’s just what ancillary health insurance does. Examples of Ancillary Health Insurance.

Bailie Group uses employee feedback to inform benefits proposition

Employee Benefits

When she joined, the organisation offered benefits including pensions , life insurance, a childcare scheme and a bikes-for-work offering, but these were not well promoted.

The Financial Costs of Being Unvaccinated

Money Talk

At the risk of touching what can, unfortunately, be a politically-charged topic, even one life saved is a victory! It will also charge unvaccinated employees $200 monthly health insurance premium surcharges starting November 1. I’ve been thinking a lot lately about COVID-19.