Group Term Life / AD&D

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People work hard their entire lives to provide for their family. They want to be sure their family is financially covered when they're gone. Group Term Life/AD&D eliminates that worry, replacing it with peace of mind.

Group Term Life offers coverage for a certain period of time, usually during the time of employment. When the specified term ends, so does the coverage. This expiration feature helps keep rates low and affordable, making it a very attractive option for a benefits package.

AD&D pays a benefit to the person or beneficiary, in the event of an accident resulting in death, or dismemberment.

Standard Riders with AD&D:

  • Speech/hearing
  • Coma
  • Exposure and disappearance
  • Repatriation
  • Seat belt/airbag

Non-Standard Riders Available Upon Request:

  • Special education
  • Paralysis
  • HIV
  • Paralysis
  • Common carrier
  • Felonious assault
  • Child care
  • Spouse Training

For Employers with 10+ Employees
We understand that with a business of 10+ employees, "one-size doesn't fit all". That's why to help you meet your needs, we recommend requesting a formal quote.

Features for Group Term Life & AD&D Include:

  • Guarantee issue
  • Accelerated death benefit
  • Conversion benefit
  • Waiver of premium benefit

Additional Features Include:

  • Assist America is a global emergency medical travel assistance company. Anytime you, your spouse, and/or minor dependent children are traveling 100 miles or more away from home or in another country, with or without you present, they are protected by Assist America's vast assistance resources. A single phone call is all it takes to put Assist America in motion on your behalf.


  • Estate Guidance is a will preparation service. Living will documents are also available at no cost. Go to www.estateguidance.com to create a simple or living will and use promotional code USW.


  • Identity Theft Resource Center provides you with an online resource for information regarding identity theft including victim support and education. Visit www.idtheftcenter.org to obtain prevention tips, a consumer guide to identity theft, victim resources, and scam alerts.

Request a Formal Quote
To obtain a quote, download and complete the Proposal Request Form or prepare the information outlined in the quoting instructions below.

Email or fax your request and you will be contacted with a customized rate quote. If you need help designing a benefit program, contact your broker or account executive for personalized assistance.

1. Complete the Proposal Request Form for the product you are quoting:

2. E-mail your quote request to:

Here's a helpful checklist to keep track of what you need to obtain quoting information.

Medical & Dental
Complete your product portfolio with medical and dental coverage. Benefit from a single point of contact and save 4% on your Dental Blue® premiums when you purchase two or more Group Term Life & Disability products.

This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.