Group Life and Disability

Many people recognize the need for Disability and Life Insurance protection. Employers often find that they can cover a portion of their life and disability needs at a much lower rate through their group plans. Many firm owners implement these types of group benefits, either as benefits or as available voluntary programs.

Because these plans spread risk out over a large group of people, the underwriting process can be simplified, providing coverage for those who have struggled to obtain it individually.

There are dozens of excellent insurance companies who offer such plans. We recommend reviewing your firm’s plan from time to time to ensure you are receiving the best value. Shopping with other “A” rated carriers can reduce premiums or allow you to increase the benefits to your employees. Additionally, many carriers have begun to implement 2 and 3-year rate guarantees.

We look forward to reviewing your existing coverage or helping to implement a new plan. Please call Aaron Mitchell at (302) 397-0170 for a review.