Life and AD&D Insurance

Why buy specialty life and AD&D insurance?

You should purchase life and AD&D insurance  to protect your loved ones from income loss and financial catastrophe. At benefit crossroads we provide you with options so you can buy the life and AD&D insurance that's ideal for you and your family's specific needs.

Individual Life Insurance Plans:

benefit crossroads offers individual life insurance plans from HumanaOne.

First, HumanaOne’s Junior Estate Builder product is a term life insurance policy that offers protection until age 25, and then converts to a whole life insurance policy for lifetime coverage.  If your needs require a whole life insurance plan, ask us about
HumanaOne's Memorial Fund, which pays cash to your designee to take care of your final expenses and more.

Group Life Insurance Plans

  • Group term life insurance coverage
  • Group supplemental life insurance coverage
  • Group supplemental AD&D insurance

Benefits – Life and AD&D Insurance:

  • Benefits up to $200,000 or 5x annual salary for groups 2-9; up to $500,000 or 5x annual salary for groups 10-499
  • Guarantee issue provisions
  • Accelerated death benefit for terminal illness
  • Conversion privileges
  • Spouse, domestic partner and child coverage
  • Up to $300,000 supplemental coverage; up to $100,000 supplemental AD&D insurance

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