Group Life Insurance from LibertyMutualGroup.com

Life insurance coverage can offer important financial protection for an individual’s family in the event of death–providing for daily living expenses, child or elder care costs, mortgage and car loans, and other obligations.

However, research shows that 25% of U.S. households feel they do not have a plan to provide for their families in the event of their death and 44% of U.S. households believe they are underinsured.¹

Group term life insurance is received through the employer and provides a benefit to the beneficiary if the covered person dies while insured under the policy. Coverage may be paid for by the employer, the covered employee or through both employer and employee contributions.

Liberty Mutual works with brokers and employers to design group life insurance benefit plans that provide comprehensive coverage to employees and their families. Available products and features include:

Basic Term Life
Optional Term Life
Dependent Term Life
Accidental death and dismemberment (AD&D)
Accelerated Death Benefit (ADB)
Conversion
Portability
Premium waiver

Group term life insurance plans may also provide several additional services of value to covered individuals and their families:

Personalized Case Management: A high-touch, service-intensive approach to handling group life claims, actively guiding and supporting employers and beneficiaries through the life claim process.
MyLibertyAssist^® Beneficiary Services: Services specifically designed to help beneficiaries cope with grief, legal, and financial issues associated with the death of a loved one.*
Travel Assistance Services: Services provide 24/7 access to pre-travel, personal, and emergency help with situations that may arise during travel.
Liberty Security Account^®: An interest bearing checking account that is provided at no cost to beneficiaries receiving life insurance benefits.*

Please access the following resources to learn more about how group life insurance received through work helps employers, employees, and beneficiaries.

Resources:

	Reference Guide: Best practices for managing life claims, from communicating with beneficiaries, to working with the insurance carrier.
	Podcast: Employer Best Practices for Managing Life Claims, featuring Rick Balboni, Liberty Mutual Group Life and AD&D Product Manager.
	Podcast: Life Insurance 101: Why You Need It, featuring Rick Balboni, Liberty Mutual Group Life and AD&D Product Manager.
	Life Insurance Needs Calculator: Estimate the appropriate level of life insurance coverage to meet your needs.

External Links
Insurance Information Institute: Resources and information on understanding life insurance policies and ways to save money.
Social Security Administration: Resources and information on Social Security benefits, including Social Security death and survivor insurance
Life and Health Insurance Foundation for Education (LIFE): A nonprofit organization dedicated to helping consumers make smart insurance decisions to safeguard their families’ financial futures.

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1. Facts about Life 2005, LIMRA

*Travel assistance services are provided by MEDEX Assistance Corporation. MyLibertyAssist Beneficiary Services are provided by Bensinger, DuPont & Associates. Liberty Life Assurance Company of Boston does not insure or administer these services.

Group Products and Services are offered by Liberty Life Assurance Company of Boston, a member of Liberty Mutual Group. Some products and services may not be available to all customers.

Group Life

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