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Group Term Life Coverage
When faced with a loss, employees want to know that they can count on prompt, convenient benefit payments. But our life insurance plans provide more than just a benefit check.

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Group Disability Coverage
No one plans on experiencing a disabling illness or injury. But illnesses and accidents do happen, and our disability insurance plans provide more than just income replacement in case of disability. Our plans also provide the kind of support employees need to help them get back to health, back to work and back to life.

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Group Term Life Products

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A death in the family is a devastating event. But there’s no reason it needs to devastate the family financially.   
Anthem Life & Disability Insurance Company’s (Anthem Life) group life insurance products are an affordable way to help employees provide financial security for their loved ones. Employers choose from a variety of coverages and options to design a competitive benefit plan that fits their needs and budget. The employer selects the coverage and benefit amounts their plan will offer, and pays all or part of the premium for basic employee life and AD&D coverage.   
This section includes:  

Group Term Life Insurance

Group Accidental Death and Dismemberment Insurance (AD&D)

 
Group term life insurance  
Anthem Life’s group term life insurance does a lot for something so simple and affordable. For pennies on the dollar, employees can be covered for a designated benefit amount or a multiple of salary.   
Our standard plans include special features for added protection. Waiver of premium provisions can continue coverage without further premium payments, for employees who become totally disabled. Living benefit provisions allow employees to receive up to 50% of their death benefit in advance, if they are diagnosed as terminally ill (less than 12 months to live). Additional conditions may qualify for living benefits in some states.   
Basic employee coverage is just the beginning. It’s easy to extend that coverage by offering employees the opportunity to buy group term life insurance for their dependent spouses and children, or optional group term life insurance for themselves.   
 
Group accidental death and dismemberment insurance (AD&D)  
Our group accidental death and dismemberment insurance provides additional benefits to help families deal with the sudden and unexpected needs that may arise if an employee has a serious accident.   
The accidental death benefit is usually equal to the employee’s group term life insurance benefit amount. The accidental death benefit may be increased by the lesser of $15,000 or 10% if the employee dies in an auto accident while wearing a seat belt.   
If the employee loses his or her sight or loses one or more limbs as a result of an accident, a percentage of the death benefit (typically 50% to 100%) is payable.  
 
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Health products are underwritten by Empire HealthChoice HMO, Inc. and/or Empire HealthChoice Assurance, Inc., licensees of the Blue Cross and Blue Shield Association, an association of independent Blue Cross and Blue Shield Plans, serving residents and businesses in the 28 eastern and southeastern counties of New York State. All external sites will open in a new browser window. Please view our Website Privacy Policy and Terms of Use for more information.