Customizable Group Product Suite

Spectrum Life can replicate your existing plan or custom design a plan to fit your unique requirements.

Group life and disability plans are crucial for employees’ financial security. These benefits provide a safety net in case of unforeseen events, such as illness, injury, or death, protecting both employees and their families from financial hardship.

Group Life

Group Life insurance ensures that dependents are financially supported in the event of an employee’s death.

Sample plans include:

    • Death by Any Cause
    • Death by Natural Causes only
    • Accidental Death
    • Accidental Death and Dismemberment (AD&D)
    • Permanent Total Disablement (PTD)
    • Accidental Death and Continental Scale
    • Death or Permanent Total Dismemberment (PTD)
    • Death and/or Critical Illness
    • Passive war risk
    • Other bespoke variations

 

Group Disability

Disability plans are a critical component of a comprehensive global benefits program providing income replacement if an employee is unable to work due to illness or injury.

Sample plans include:

  • Short-Term Disability Income (STD)
  • Long-Term Disability income (LTD)
  • Temporary Total Disability (TTD)
  • Permanent Total Disability (PTD)
  • Passive war risk
  • Other bespoke variations