Group Life & AD&D Insurance in Oklahoma City - Financial Protection for What Matters Most

Peace of Mind for Employees & Their Families

Offering group life insurance is one of the most meaningful ways to support your employees and show that you care about their long-term well-being. At Eagle Group Associates, we help Oklahoma businesses structure group life & accidental death and dismemberment (AD&D) coverage that fits their team, their budget, and their benefits goals.



From OKC offices near Bricktown to manufacturing shops in Del City or Edmond, we've helped business owners provide this important layer of security-with smart plan designs and clear communication every step of the way.

Why Add Group Life Insurance to Your Benefits Package?

Group life coverage is more than just a checkbox benefit-it's a foundational piece of financial protection for employees' families. Offering it can:


  • Help attract and retain quality talent
  • Provide tax-advantaged coverage options
  • Deliver financial support in a time of loss
  • Show employees their lives-and families-matter to your business


And unlike individual policies, group life insurance is often more accessible and affordable for employees, especially those with pre-existing conditions.

What's Included in Group Life & AD&D Insurance?

Group life policies typically include:


  • Basic term life: A flat amount or salary-based benefit (e.g. 1x annual salary), employer-paid
  • Voluntary life: Optional additional coverage employees can purchase for themselves and dependents
  • Dependent life: Coverage for a spouse or children
  • Accidental death & dismemberment (AD&D): Additional payout if death or injury results from a covered accident
  • Portability & conversion: Some plans allow employees to keep coverage if they leave your company


We'll help you understand the options and find a carrier that balances cost and value.

Customizable Plan Designs to Fit Any Size Business

Every workplace is different, and so is every benefits strategy. That's why we offer flexible life & AD&D plan structures for:


  • Small businesses seeking simple, affordable starter coverage
  • Growing companies looking to expand benefit offerings without a big price tag
  • Large groups who want layered options, voluntary buy-ups, or integration with long-term disability or retirement planning


Need help matching your group life offering to your 401(k) or executive bonus plan? We can coordinate with your financial advisor or TPA to ensure everything works together.

FAQs

Group Life Insurance

  • Do I have to offer group life insurance to all employees?

    Most carriers require minimum participation, but plan eligibility can be limited by hours worked or class of employee. We'll help you set fair, compliant eligibility rules.


  • What's the difference between group life and voluntary life?

    Group life is employer-paid. Voluntary life is employee-paid and often allows higher limits or dependent coverage. Both can be offered together.


  • Is AD&D coverage separate from life insurance?

    AD&D is often bundled with group life but can also be offered as a standalone policy. It pays additional benefits for covered accidental injuries or deaths.


  • Can group life coverage be kept after leaving a job?

    Some plans offer portability (continue the policy at group rates) or conversion (turn it into an individual policy). We'll explain the options for your plan.


  • Is this taxable for employees?

    Up to $50,000 of employer-paid group term life is generally tax-free to the employee. We'll help you understand the tax treatment of your offering.


Give Your Team the Financial Protection They Deserve

Life insurance might not be top-of-mind for your employees-until something happens. Offering this benefit shows you're thinking ahead for them and their families. Let us help you build a group life & AD&D plan that supports your people and strengthens your company culture.


Call (405) 602-1554 or contact us online to schedule your free employee benefits consultation today.

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