Home / Employee benefits / Group life and accidental death
Group life and accidental death coverage
Group life insurance is one of the benefits employees value most, and one of the simplest to offer. Add accidental death and dismemberment coverage for extra protection.
Accidental death and dismembermentExtra protection for accidents
Basic or voluntaryEmployer paid, employee paid, or both
How it works
Basic group life: the employer provides a set amount for each employee.
Voluntary life: employees can buy more, and often cover a spouse and children.
Accidental death and dismemberment: pays for a death or a serious covered injury caused by an accident.
Coverage is issued on one group policy, which keeps administration simple.
Why employers offer it
It is a core benefit that helps you hire and keep people.
Cost per employee is usually low.
Many group plans offer a set amount of coverage without medical questions.
It rounds out a package alongside disability and supplemental health.
How we help
Share your census
Employee count, ages, and what you offer today.
We shop the market
You see plan designs and prices side by side.
We help you enroll
Simple materials for employees and support afterward.
Common questions
What does AD&D mean?
It stands for accidental death and dismemberment. It pays a benefit if a covered person dies or suffers a specified serious injury, such as loss of a limb or eyesight, because of an accident.
Is group life the same as AD&D?
No. Group life pays for death from most causes. AD&D pays only when an accident causes the death or injury. They are often sold together.
Do employees have to answer health questions?
Many group plans offer a guaranteed amount without health questions. Higher amounts may require them. It depends on the carrier and the size of the group.
Coverage and premium are illustrative only and subject to underwriting and carrier approval. Benefits vary by plan and carrier.
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Landsman Insurance Services, LLC
Any person who, knowingly or with intent to defraud or to facilitate a fraud against any insurance company or other person, submits an application or files a claim for insurance containing false, deceptive or misleading information may be guilty of insurance fraud.
Notice to Alabama Applicants
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit, or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution or confinement in prison, or any combination thereof.
Notice to Arkansas, Louisiana and New Mexico Applicants
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Notice to Colorado Applicants
It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an Insurance Company for the purpose of defrauding or attempting to defraud the Company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any Insurance Company or agent of an Insurance Company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable from insurance proceeds shall be reported to the Colorado Division of Insurance within the Department of Regulatory Agencies.
Notice to District of Columbia Applicants
Warning: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
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Notice to Maine, Tennessee, Virginia and Washington Applicants
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Notice to Ohio Applicants
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Notice to Oklahoma Applicants
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Landsman Insurance Services, LLC Effective date: May 22, 2025
1. Introduction
Landsman Insurance Services, LLC ("Company," "we," "our," or "us") is committed to protecting your privacy and keeping your personal information secure. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our agency, including through our website, services, and communications.
2. Information we collect
We collect personal information necessary to provide insurance products and services. This may include, but is not limited to:
Name, address, phone number, and email address
Date of birth, Social Security number, and government issued identification numbers
Insurance policy details, claims history, and payment information
Health information when required for underwriting or claims purposes
Employment and financial information when necessary for certain coverage types
3. How we use your information
We use your information for purposes including:
Processing insurance applications and providing quotes
Underwriting, issuing, and servicing policies
Processing claims and benefits
Complying with legal and regulatory requirements
Communicating with you about policies, updates, and offers
Preventing fraud and unauthorized transactions
4. Information sharing and disclosure
We do not sell or rent your personal information. We may share your information with:
Insurance carriers, brokers, reinsurers, and third party administrators to facilitate policy issuance and claims processing
Service providers who assist in business operations, such as IT, payment processing, marketing, and compliance
Legal and regulatory authorities when required by law
Other third parties with your consent or as necessary to protect our rights and assets
Mobile information will not be shared, sold, or conveyed to third parties for marketing or promotional purposes.
5. Data security
We use reasonable security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, secure servers, and access controls. However, no security system is entirely foolproof, and we cannot guarantee absolute security.
6. Retention of information
We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes.
7. Your privacy rights
Depending on your location, you may have rights regarding your personal information, including:
Accessing the data we hold about you
Requesting corrections or updates to inaccurate information
Requesting deletion of your data, subject to legal or contractual obligations
Opting out of marketing communications
To exercise these rights, please contact us using the information below. Residents of California, Connecticut, and Virginia can also see Do Not Sell My Personal Information.
8. Third party links
Our website may contain links to third party sites, including quote and enrollment tools operated by insurers and administrators. We are not responsible for the privacy practices of these sites and encourage you to review their policies before providing personal information.
9. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on our website with the updated effective date. We encourage you to review this policy periodically.
10. Contact us
If you have any questions about this Privacy Policy or your personal information, please contact us at:
