ESD Insurance News
Does Group Life Insurance Cost Less than Individual Policies?
If you have access to group life insurance, you may be wondering if you should compare that to purchasing an individual life insurance policy. Comparing coverage will involve several factors, so learn more about the different life insurance options. […]
What Type of Group Life Insurance do Federal Employees Have?
The group life insurance program for federal employees was established by the federal government and is unique to individual life insurance. If you are a federal employee, learn more about the benefits and limitations of this program. […]
What Types of Expenses Will Cancer Insurance Cover?
Cancer insurance can help pay some of the costs associated with cancer care that health insurance does not cover. Learn more about this type of supplemental health insurance. […]
How Many Employees Do You Need to Offer Voluntary Life Insurance Benefits?
Voluntary life insurance benefits are optional benefits offered by employers in which an employee may pay premiums in exchange for a death benefit. Typically, this is offered in businesses with 10 or more employees. […]
Filling the Insurance Gap for Essential Postal Workers
Postal workers are a critical part of our country’s infrastructure. Learn how to attract and retain qualified talent in this industry by bridging the insurance gap. […]
The Importance of Providing Additional Benefits to Critical Civil Service Employees
“Essential Employee” seems to be the buzzword of 2020, but what does it really mean to manage a workforce of critical civil service employees? Read more to explore the importance of providing additional benefits to critical civil service employees in this article. […]
What is a Lump Sum Cancer Insurance Policy and How Does it Work?
Fortunately, to help cancer patients with the mental and financial burden of cancer, cancer insurance helps those who may want a little extra financial cushion with their out of pocket expenses. Learn more about what cancer insurance is and the options you have for the type of payouts. […]
Employer-Provided Life Insurance vs. Voluntary Benefits and Individual Life Insurance
When it comes to purchasing life insurance, you may have multiple coverage options including employer provided, voluntary benefits, and individual policies. Learn more about these different options so you can find the coverage that best suits your needs. […]
What is the Difference Between Life Insurance Conversion and Portability?
What is the difference between a convertible and portable life insurance policy? Read more to learn what these two options mean, what types of policies they apply to, and how each could be important for having the life insurance you need. […]
3 Advantages and Disadvantages to Whole Life Insurance
If you are comparing the options between whole life insurance and term life insurance, dive in deeper and make a more informed decision. Take a look at the following advantages and disadvantages to your potential whole life policy. […]
Does Life Insurance That Is Part of a Voluntary Benefits Program Have Cash Value?
What kinds of voluntary life insurance are there, and do any of them build cash value? Find answers to these popular insurance questions and more in this week’s ESD blog. […]
What is a Life Insurance Cash Surrender Value and Does it Pay Out in Addition to the Death Benefit?
If you have a life insurance policy that has cash value, you may have heard about the cash surrender value. It’s important to understand how this works when you are considering your life insurance options, so we have put together this quick guide. […]
Why Are Life Insurance Benefits Important?
If you are a new employee or approaching open enrollment, you may be thinking about your health insurance and 401K benefits. This is also the perfect time to assess your life insurance needs and consider your options either through group benefits or an individual policy. […]
The Advantages of Offering Supplemental Health Insurance for School District Employees
Having the right benefits to fit your needs can make the difference between an uncomfortable living situation and a happy home. As such, school district workers are asking how they can improve their quality of life with supplemental health insurance. […]
Do Federal Employees Have the Option to Buy Cancer Insurance?
The Federal Employees Health Benefits (FEHB) Program helps civil service employees through a variety of insurance options, but what about supplemental insurance to cover out-of-pocket expenses like cancer treatments. If you are a federal employee read more about your options. […]
3 Ways to Receive the Cash You Need From Your Life Insurance Policy
If you know your life insurance policy has a cash value but are not quite sure how to utilize it, this article can help. Read more about your options for access a life insurance’s cash value. […]
Final Expense and How it Compares to Term Life
This article from Globe Life’s Employee Services Division discusses the general concept behind a final expense plan and the different types available, as well as reinforces how it differs from term life insurance. Learn more today. […]
Should I Replace My Life Insurance After Retirement?
If you’re entering retirement, you may be wondering about your life insurance coverage. Working through a series of questions can help determine whether you will still need life insurance in your retirement, so learn more about those individual factors today. […]
FEHB Coverage for Indian Tribal Employees
The Patient Protection and Affordable Care Act allowed Tribes, Tribal Employers, and Urban Indian Organizations carrying out programs to purchase the rights and benefits of the Federal Employees Health Benefits (FEHB) Program for their employees. We’ve listed some common questions people have about insurance for Tribal employees. […]
Can I Convert a Group Life Insurance Policy to an Individual Policy?
If you have a life insurance policy with your employer or other group, you may be wondering if you can take that policy with you. If so, read more about your policy portability options. […]
The Cost of Cancer
According to the American Cancer Society, a total of 1,762,450 new cancer cases and 606,880 deaths from cancer are expected to occur in the U.S. in 2019. […]
Buying Group Life Insurance for Small Businesses
As a small business owner, group life insurance can be a critical component of the business’ financial portfolio. It can serve a few different needs such as protection, benefits, and prevention. […]
4 Retirement Trends to Watch for in 2019
As the initiative to help workers with their financial security and retirement preparation intensifies, the Institutional Retirement Income Council (IRIC) released their predications for what the retirement planning community should watch for in the coming year. […]