Life insurance is one of the best forms of financial protection that is not sensitive to financial markets. BEST Life offers a selection of group life policies. All come with dependent spouse coverage and the option to add AD&D coverage. BEST Life offers a selection of affordable group term life policies. All come with dependent spouse coverage and the option to add AD&D coverage.

 

Plan availability varies by state. To learn more, select the topic below that interests you.

1. Employer-contributory Group Term Life for 10 or more employees
2. Voluntary Group Term Life (for 2 or more employees)
3. Employer-contributory Group Term Life for 2-50 employees
4. Group Term Life Specials

 

Employer-contributory plans for 10 or more employees

BEST Life Gold

BEST Life's new Group Term Life plan for groups with 10 or more enrolling:

1. Optional coverage includes Accidental Death & Dismemberment, Dependent and Supplemental Life benefits;
2. Crticial Illness, Cancer Care, Daycare and Repatriation of Remains available;
3. Seat Belt, Airbag and Accelerated Death benefits included;
4. Individuals can increase coverage for themselves, or include insurance for their children;
5. Guarantee issue amounts are based on total group volume; and
6. 2-year rate guarantee and discounts are available for preferred industries.
7. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MD, MI, MS, ND, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT and WY. Additional states pending approval.
   

Offer BEST Life Gold through Gerber Life! BEST Life's offers the same underwriting rules, pricing and plan options through Gerber Life. Available to groups with 10 or more enrolling, this option is available in all 50 states. Contact your BEST Life Sales Representative for more details.

 

Life Sales Collateral

1. Group Term Life Brochure

Life Enrollment Material

1. Employer Application Word | PDF
2. Ohio Employer Application Word | PDF
3. Texas Employer Application Word | PDF
4. Employee Enrollment Form Word | PDF
5. Group Roster Enrollment Form Word | PDF

Essential Group Life

This Group Term Life plan is also for groups with 2 or more enrolling in FL, LA, MO, MT, NC,OR, VA and WA.

1. Optional AD&D, Dependent and Supplemental Life
2. Individuals can increase coverage for themselves, or include insurance for their children
3. Guarantee issue amounts are based on total group volume
4. 2-year rate guarantee and discounts are available for preferred industries
5. Voluntary policy available upon request

Essential Group Life also provides a Conversion privilege with or without evidence of insurability depending on how long the employee has been employed. 

Life Sales Collateral

1. Essential Life Benefit Highlight Sheet
   
2. Benefit Information Booklet
   

Life Enrollment Material

1. Employer Application Word | PDF
2. Employee Enrollment Form Word | PDF

 

Voluntary Plans for 2 or more employees Enrolling

BEST Life Silver

This plan is BEST Life's new voluntary plan. A minimum of ten participants can enroll on a stand-alone basis or a minimum of 2 lives if purchased in conjunction with any other BEST Life plan.  Employees can choose coverage in $10,000 increments up to five times their annual earnings to a maximum of $500,000.

Plan Highlights:

1. For groups with 2 to 9 employess a minimum of 2 lives enrolled required;
2. Groups with 10 or more employees enrolled require at least 25% participation;
3. Guarantee issue based on age and group participation;
4. Optional Accidental Death & Dismemberment (AD&D) benefit available for employees only;
5. Seat Belt and Airbag benefit included with AD&D;
6. Accelerated Death benefit included with basic coverage; and
7. Supplemental Life available for employees and dependents who want to increase coverage.
8. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MD, MI, MS, ND, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT and WY. Additional states pending approval.

Life Sales Collateral

1. Group Term Life Brochure

Life Enrollment Material

1. Employer Application Word | PDF
2. Ohio Employer Application Word | PDF
3. Texas Employer Application Word | PDF
4. Employee Enrollment Form Word | PDF
5. Group Roster Enrollment Form Word | PDF

Voluntary Group Life

This Group Term Life plan is also for groups with 2 or more enrolling for groups in FL, LA, MO, MT, NC, OR, VA and WA.

1. Optional AD&D, Dependent and Supplemental Life
2. Individuals can increase coverage for themselves, or include insurance for their children
3. Guarantee issue amounts are based on total group volume
4. Available upon request

Life Enrollment Material

1. Employer Application Word | PDF
2. Employee Enrollment Form Word | PDF

 

Employer-Contributory Groups With 2-9 Employees Enrolling

BEST Life Bronze

This Group Term Life plan is designed for employer-contributory groups with 2 to 9 employees enrolling.

Plan Highlights:

1. $15,000 guarantee issue for 2-4 lives;
2. $25,000 guaranteed without Evidence of Insurability for groups with 5-9 enrolled;
3. Additional amounts up to $100,000 available with Evidence of Insurability;
4. Optional Accidental Death & Dismemberment (AD&D) benefit available for employees only; and
5. Supplemental Life available for employees and dependents.
6. Currently available in AK, AL, AR, AZ, CA, CO, DC, GA, HI, ID, IL, IN, KS, KY, MD, MI, MS, ND, NE, NM, NV, OH, OK, SC, SD, TN, TX, UT and WY. Additional states pending approval.

Life Sales Collateral

1. Group Term Life Brochure

Life Enrollment Material

1. Employer Application Word | PDF
2. Ohio Employer Application Word | PDF
3. Texas Employer Application Word | PDF
4. Employee Enrollment Form Word | PDF
5. Group Roster Enrollment Form Word | PDF

Group Term Life Specials

BEST Life's Trade-In Program

Time for an upgrade? Through 2010, eligible groups can trade-in their current Group Term Life plan for a BEST Life plan -- and receive up to a 15% reduction and an initial 2-year rate guarantee!

To find out if your groups are eligible, download our Trade-In Plan form and submit completed forms to your BEST Health Plans Sales Representative.