October 14, 2026

Why Traditional Group Coverage Often Falls Short

Group life insurance often leaves employees vulnerable due to a lack of portability—when they leave the company, they lose their coverage. Furthermore, securing higher coverage amounts typically requires medical underwriting, and can quickly drive up costs within a standard group plan.

A Better Flexible Solution: Voluntary Guaranteed Issue Verity Underwriting Partners bridges this gap by partnering with leading carriers to offer voluntary guaranteed issue life insurance tailored to your team.

Here is how the program works:

• Guaranteed Coverage: For companies with 15 or more employees, we meet individually with each team member to offer up to $100,000 in guaranteed issue insurance—no medical exams required. Spouses and children are eligible for coverage as well.

• Flexible Product Options: Employees can select from Term, Return of Premium Term, or Permanent insurance based on their personal financial goals.

• Low Participation Threshold: Coverage is completely voluntary for each employee. We only need one employee to participate to unlock the guaranteed issue option for your entire company (though most employees eagerly opt in).

• Flexible Premium Structure: As the employer, you choose how much to contribute—you can cover all, part, or none of the premium costs.

Value for Employers Offering this essential benefit is a powerful way to deepen employee loyalty and enhance your overall compensation package at no required cost to your bottom line. To make administration seamless, employee premiums are managed conveniently via payroll deduction.

Get Started Today Contact Verity Underwriting Partners today to learn how this program can add lasting value to your business and workforce.