what to look for with employer group life insurance westchester ny
  • By Allan M Block Blogging Team
  • Posted November 26, 2019

What To Look For With Employer Group Life Insurance

Some employers offer group life insurance as an employee benefit. It is an affordable option that often requires no medical exam. In other cases, employers may provide the opportunity to get individual life insurance as a voluntary benefit—also usually very affordable. In the latter case, you can typically take that policy with you if you change jobs, though the premium price may change.

There are some concerns, however, that you should address.

  • What if I become disabled? Will I still have coverage? How will it be paid?

  • Can I keep coverage if I change employ­ers, and how will my premiums change?

  • What if my employer changes insurance plans or eliminates coverage altogether? Will I be too old or have a condition that will prevent me from obtaining affordable coverage on the individual market?

Discuss your life insurance options with your insurance agent before making any decisions. You may find there is an alternative method or a combination of life insurance policies that is better suited to your needs than just the employer-provided option.


For more information or answers to your insurance questions, contact us at Allan Block Insurance Agency, https://www.allanblockinsurance.com, located in Tarrytown, NY in the heart of Westchester County, a key business district near New York City.  We write auto, home, renters, condo, co-op, personal, business, life and group insurance for clients locally and in NYC, CT, NJ, PA, MA and many other states. The Professional Agency with the Personal Touch.

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