Voluntary Group Life

Realizing that many school districts are faced with limited resources, Horace Mann provides our voluntary benefit program to give you the opportunity to offer additional insurance benefits to your employees at no cost to you. 

Maximum Life Insurance – Employee-Paid Portable Coverage at Group Rates

Our Maximum Life product is sponsored by the employer, but selected and paid for on an individual basis by the employee.  Your employees will be offered a wide range of coverage options to meet their diverse needs:  dependent life and Accidental Death & Dismemberment (AD&D) coverages are standard options for this product.  The Maximum Life pricing is typically based on age, gender, amount of coverage and tobacco usage and usually costs employees less than a comparable individual life insurance policy. 

Additional Benefits Included in our Voluntary Group Life Product

  • Accelerated Life Benefit – The Accelerated Life Benefit helps ease some of the financial burden from employees who are diagnosed with a terminal illness. Employees are allowed to receive a portion of their life insurance benefit in advance when they need it most – to cover medical expenses, nursing home care, or to supplement lost income.   
  • Waiver of Premium -- Disabled employees may qualify to have their life insurance premium waived while they are unable to work.
  • Benefits Direct – Horace Mann provides an expedited claim process for claim amounts up to $75,000 meeting certain criteria.  We can pay your employee’s claim without a claim form or death certificate if the funeral home verifies key information.

Request a Bid

If you are accepting proposals for group insurance plans, we'd like the opportunity to create a program tailored to your school district’s employee benefit needs. 

Please contact your local Horace Mann representative for a quote.

In some states, Maximum Life may only be sold as a supplemental product to a basic group term life insurance plan.  Horace Mann group life and accidental death and dismemberment insurance is underwritten by Horace Mann Life Insurance Company. 

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