Your employees are your best assets, and protecting them and their families provides long-term benefits to your company. Lyman & Sheets has expertise in evaluating and designing new programs to assure your company’s financial health and the well-being of your employees.

Group Life
Life insurance is a nearly universal employee benefit in the United States. Most employers, large and small, provide some sort of life insurance benefit for their employees. Life insurance is an integral part of an employer’s benefit program.

Employer-sponsored or Contributory Programs Businesses willing to contribute premium dollars toward their employee’s life insurance coverage help eliminate adverse selection for insurance carriers. Generally, employer contribution levels help determine the underwriting guidelines and benefit levels available to your group.

Group size will determine underwriting requirements and benefits available.

Under 10 employees
10 – 50 employees
50+ employees

Voluntary/Payroll Deduction Middle-class Americans are the most underserved life insurance market in the United States. Most middle-class Americans are underinsured when it comes to their life insurance needs. Employers have the ability to offer quality life insurance products to their employees at no cost to the business. Better yet, life insurance products are often issued with little or no medical underwriting.

The percentage of participation will impact underwriting requirements and benefits available.