Our employer-paid group term life insurance allows you to provide a basic level of protection for your employees and those they love.  The benefit amount can be either a flat amount or a multiple of earnings, depending on how you decide to set up your plan.

In addition to basic amounts of life insurance, you can use your group buying power to make additional coverage available to your employees and their dependents under our employee paid optional and dependent life insurance plans.  The availability of these plans will allow your employees the flexibility to design a program that meets their unique needs.

Our Optional Life Insurance can supplement the employer paid Basic Life Insurance or be a stand-alone term life insurance option for your employees, provided a minimum participation requirement is met.  The Optional Life pricing is based on age, gender, and amount of coverage and usually costs employees less than individual life insurance.

Dependent Life Insurance can supplement the employee benefit you provide through Basic Life and/or Optional Life Insurance by offering additional protection for an employee’s family.

Accidental Death and Dismemberment insurance is available as a low-cost addition to the employer paid and/or employee paid life insurance coverage offered to your employees.  AD&D protects against losses from unforeseen covered accidents.

• Accelerated Life Benefit – The Accelerated Life Benefit helps ease some of the financial burden from employees who are diagnosed with a terminal illness. Employees are allowed to receive a portion of their life insurance benefit in advance when they need it most – to cover medical expenses, nursing home care, or to supplement lost income.   
• Waiver of Premium -- Disabled employees may qualify to have their life insurance premium waived while they are unable to work.
• Benefits Direct – Horace Mann provides an expedited claim process for claim amounts up to $75,000 meeting certain criteria.  We can pay your employee’s claim without a claim form or death certificate if the funeral home verifies key information.
  

If you are accepting proposals for group insurance plans, we'd like the opportunity to create a program tailored to your school district’s employee benefit needs. 

Please contact your local Horace Mann representative for a quote.