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Group Term Life and Accidental Death & Dismemberment (AD&D) Insurance
Life insurance and accidental death and dismemberment (AD&D) insurance are integral parts of a comprehensive benefits package and are time-honored ways to help employees protect their families from the financial challenges that can arise from the death or disability of a loved one. Basic life insurance, underwritten by Blue Shield of California Life & Health Insurance Company (Blue Shield Life), is an affordable way for your clients to provide their employees with added security during uncertain economic times. Life insurance is available to groups with or without medical coverage.
Easy-to-choose life insurance plans
Our group term life insurance program called Life combines life insurance with comprehensive AD&D benefits and optional dependent life and AD&D insurance to meet the needs of most employer groups.

Group term life insurance benefits include:
  • Waiver of premium provision for continued life insurance of employees who are totally disabled before age 65
  • Accelerated death benefit (ADB) to $250,000, for groups with a minimum benefit amount of $15,000
  • Minimum coverage amount of $15,000
  • Maximum coverage amount is determined at the discretion of Blue Shield Life underwriting.
  • Guaranteed-issue amounts are set depending on overall group volume and basic benefit levels
  • Age reduction to 65 percent of the original amount at age 65; 50 percent of the original amount at age 70; All benefits terminate at retirement
Flexible Plan Options
  • Flat amounts:
    All employees are covered at the same flat amount, e.g. $25,000.
  • Multiple of salary:
    All employees are covered for the same multiple of salary up to a maximum amount, e.g., two times annual salary to a maximum of $150,000 (higher amounts are available with Underwriting approval).
  • Graded schedule:
    Employees can be divided into classes (up to four) that have different levels of benefits. The benefit amount for each class must be no more than 2.5 times that of the next lower class.
AD&D Benefits
Coverage that provides for individuals who suffer a qualifying bodily injury during an accident, depending on coverage amount and type of injury suffered:
  • Accidental loss of life – 100 percent of principal sum (equal to the basic life amount)
  • Partial benefits for accidental loss of limbs or paralysis
  • Seat belt and airbags benefit
  • Special education benefit
  • Repatriation benefit
  • Disappearance benefit
  • Felonious assault benefit
  • Exposure benefit
  • Comatose benefit
  • Common carrier benefit
  • Surgical reattachment benefit
Dependent Life Insurance
Groups can offer dependent life and AD&D insurance for an insured employee's spouse or domestic partner and/or children. One rate covers all dependents.
Accelerated Death Benefit
To help terminally ill employees while they are still alive, we offer an accelerated death benefit up to $250,000.
Supplemental Term Life Insurance & AD&D Coverage (Optional)
Supplemental term life insurance is a 100% employee-paid benefit that helps employees and their dependents gain extra protection to fit their personal insurance needs. While basic group term life insurance may meet some employees’ financial protection needs, others may need higher levels of life insurance.
Life insurance and accidental death and dismemberment (AD&D) insurance are integral parts of a comprehensive benefits package and are time-honored ways to help employees protect their families from the financial challenges that can arise from the death or disability of a loved one. Basic life insurance, underwritten by Blue Shield of California Life & Health Insurance Company (Blue Shield Life), is an affordable way for your clients to provide their employees with added security during uncertain economic times. Life insurance is available to groups with or without medical coverage.
See the Value
Help your clients see the value that life insurance coverage can bring them in the infographic, Why You Need Group Life Insurance Coverage.
Life Quick Match ProgramSM
Our Quick Match Program provides streamlined underwriting to make it easier to match comparable coverage and rates from any other health plan, for new or existing groups with 101+ to 499 eligible employees subject to program requirements. Contact your Blue Shield sales representative to learn more about the Quick Match Program.
Benefit Solutions
You can offer your clients even more savings when they add life insurance or other specialty benefits to their medical coverage.
Wellness Discounts
Life plan members have access to wellness program discounts to help them save on managing their physical, psychological and lifestyle well-being (important terms and conditions apply).
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Resources
Benefit summaries
Producer Resource Guide to Group Term Life Insurance
Top reasons to sell life
Benefit Solutions Flier
Life Insurace Coverage Illustrated
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