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HomeGroup Life Insurance
life insurance

Valuable Group Life Insurance for you and your employees!

  • Guaranteed Issue*
  • Competitive Monthly Premiums
  • 2 or More Employees
  • Easy Online Quot
Call us at 631-589-0100 or Start Your Quote Today

We can relate to your constant need to...

  • Grow your sales and revenue
  • Control your expenses
  • Keep track of ever-chaning and ever-increasing government regulations
  • Find and keep good quality employees

While we can’t help you with every challenge you face in running your business, we can help you attract and retain quality employees. How? By helping to provide them —and their families—the additional financial security that comes with being covered by a Group Life and Accidental Death & Dismemberment (AD&D) policy. Claim proceeds can provide:

  • Money for the unexpected expenses that often come with the loss of a loved one
  • Help with financial security during a transition period
  • Help in paying the mortage or other ongoing expenses
  • Help in paying a child's educational expenses
Benefits available under this program include:
  • Guaranteed issue* for all eligible employees and dependents
  • Amounts of employee Life and AD&D coverage ranging from
  • $10,000 to $100,000 in $10,000 increments
  • Optional Life-Only benefits for Spouse and Children:
    • Spouse coverage available (contact for more information)
    • Children - $2,000 ($400 for children under 6 months of age). Coverage is available for children from 15 days to age 19; age 25 if child is full-time student.
Plans are comprehensive yet simple:
  • All employees must recieve the same amount of coverage (Age reductions may apply)
  • ADEA** life insurance amount reductions apply to your pre-determined amount of insurance based on age:
    • At age 65 your insurance coverage reduces to 65%
    • At age 70 your insurance coverage reduces to 40%
    • At age 75 your insurance coverage reduces to 25%
    • Dependent insurance coverage terminates at age 70
  • The plan must be sponsored by and 100% paid for by the employer
  • All employees under the program must work at least 20 hours per week.
  • All employees must have been employed for at least 2 months
  • Accidental Death & Dismemberment (AD&D) terminates at age 70

The Company’s Group plans have exclusions, limitations, reductions and terms under which coverage may be continued in force or discontinued. For complete details of coverages, please consult Security Mutual’s Home Office in Binghamton, New York.

*Industry and underwriting restrictions may apply. Product availability, features, benefits and options may vary by state.

**Age Discrimination in Employment Act.

Security Mutual Life Insurance Company of New York reserves the right to accept or reject any case based on its current underwriting practices as allowed by state statutes. Statements made in the participating employer’s application may be used to decline the group for coverage(s). This is not a contract or an offer to contract.

RoseMark Advisors, Inc., Hauppauge, New York, is the agent of record.

Copyright 2016, Security Mutual Life Insurance Company of New York, P.O. Box 1625,100 Court Street, Binghamton, NY 13902-1625. All rights reserved.

Policy Form No. SML-GRP