Protection with a family perspective

Group life coverage can provide a death benefit to beneficiaries when a covered employee dies. It can form part of a broader employee benefits conversation, alongside medical, dental and income protection.

Questions for your benefits review

  • What base coverage and employee-paid options are available for this group?
  • Which employees and dependents may be eligible?
  • When is evidence of insurability required?
  • How do beneficiary updates, enrollment changes and continuation work?

Prepare for an informed comparison

Bring your current benefits summary, employee census requirements and renewal date to HQINS. Request the specific group proposal and certificate before comparing premiums or selecting benefits. Coverage amounts, eligibility and administration depend on the plan.

Product and service references: Official Aflac source 1 ↗. Reviewed October 12, 2026. Confirm current policy documents with an advisor.