What Is Voluntary Life Insurance?
Voluntary life insurance provides financial protection for an employee’s family in the event of an unexpected loss.
Benefits are paid directly to designated beneficiaries and can help cover:
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Funeral expenses
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Mortgage or rent payments
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Outstanding debts
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Ongoing household expenses
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Future financial obligations
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This coverage provides stability during one of life’s most difficult moments.
Why Life Insurance Matters
Life insurance is a foundational financial protection tool.
Many employees either lack sufficient coverage or rely solely on limited employer-provided policies.
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Voluntary life insurance allows employees to:
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Increase their coverage
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Protect their families
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Secure financial obligations
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Gain peace of mind
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It provides long-term security at an accessible cost.
Why It Strengthens Your Benefits Strategy
Offering voluntary life insurance:
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Demonstrates long-term commitment to employee well-being
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Enhances recruitment and retention
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Adds meaningful protection without increasing employer cost
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Complements other voluntary benefits
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Because it is voluntary and payroll-deducted, it integrates cleanly into your existing structure.
How It Works
Step 1 – Consultation
We review your business structure and identify appropriate plan options.
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Step 2 – Employee Education & Enrollment
We provide clear communication and assist with enrollment.
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Step 3 – Payroll Integration
Deductions are handled cleanly through payroll for ongoing simplicity.
The Fidelis Approach
Benefits should be:
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Clearly explained
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Professionally administered
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Easy for employers
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Valuable for employees
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Our team manages communication, enrollment, and ongoing support — allowing you to focus on running your business.
Frequently Asked Questions
Is life insurance required for employees?
No. Coverage is voluntary and employee-elected.
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Does the employer pay for this coverage?
In most cases, coverage is employee-paid through payroll deduction.
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Can employees choose their coverage amount?
Most plans offer flexible coverage options based on eligibility.
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Is enrollment complicated?
We manage communication and enrollment to ensure a smooth process.