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Group Term Life


When sponsoring a group term life insurance plan through United Heritage, whether paid by the employer or by the employee, we recognize the importance of providing employees with an opportunity to protect their families’ financial future.


Help clients secure their employees’ families future.


Providing financial resources for employees in the event of their death should be an integral part of a benefit package. Let’s take a look at some of the expenses that would have to be paid by family members in the event an employee passes away.

  • Medical expenses
  • Funeral costs
  • Monthly living expenses
  • Monthly debt
  • Child care
  • College tuition
  • Saving for retirement

The average value of lifetime earnings lost by a person who dies prematurely is:

  • More than $1,374,000 if death occurs between the ages of 25 to 44.
  • More than $486,000 if death occurs between ages 45 to 64.

United Heritage life insurance products can help replace lost income and maintain current lifestyle in the event of a death. That’s why it is so importance to have adequate life insurance coverage.


What is the right amount of coverage?


  • A dual-income family with young children might need more insurance to maintain their lifestyle than a couple nearing retirement age.
  • The family breadwinner might consider spousal coverage to help provide for child care costs and household services.
  • Couples close to retirement might purchase life insurance to help insure the surviving spouse can retire as planned.

Affordable voluntary or supplemental group term life insurance


Voluntary or supplemental group term life insurance is an affordable way to purchase the extra protection employees and their families may need. Group term life insurance is available to employees at group rates and can be one of the least expensive ways to buy life insurance.


United Heritage offers flexible plan designs to meet individual employee needs.

  • Choose a coverage amount that fits each family’s budget.
  • Pay premiums through the convenience of payroll deduction.
  • Elect coverage up to a specified amount without providing proof of good health, and
  • Continue coverage when your employment ends.

Customize coverage – AD&D, Spouse, and/or Child(ren) benefits are available.




If you would like information about the Group Short Term Life Product United Heritage offers, Contact Us or Locate an Agent in your area.