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Group Life Insurance

  • Employers typically pay for a base amount of life insurance for their employees
  • Usually either for a flat amount (i.e. $50,000 each) or for some multiple of salary -- most commonly one times salary. 
  • Additional amounts of life insurance are usually available to employees at their cost, on a payroll deduction basis, subject to some limited underwriting. 
  • If you're still in good health and could qualify for individual coverage, pass on the group supplemental coverage because that coverage is normally available for less cost in the open market. 
  • Plus, individual coverage, unlike group coverage, won't cease when your job ceases. 


  • If you can’t qualify for individual coverage for whatever reason, then take all the group coverage you can get your hands on.
  • Most group policies offer, at termination of employment, the option to convert to a more expensive permanent life insurance policy that you can continue indefinitely. 
  • If you have Parkinson's and leave your job or go on disability benefits, it's probably a wise idea to convert the group life insurance coverage.

Content for this section provided by Jack Hungelmann, who has had PD since 1996.

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