What is voluntary life insurance?

Voluntary life insurance is a type of group life insurance that's offered by many employers. If it's available through work, voluntary life insurance can be an easy way to buy additional insurance coverage.

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Benefits of voluntary life insurance

Additional coverage

Most employer-sponsored group life insurance policies provide a death benefit equal to only one to two years' worth of your salary. While this is a great benefit, it's usually not enough coverage. Voluntary life insurance can be an easy way to get the coverage you need.

Low premiums

Since it's sponsored by your employer, voluntary life insurance might have lower rates than what you could get with an individual policy. This means that adding coverage on top of your base group life insurance policy could be relatively inexpensive.

No medical exam required

As part of a group life insurance policy, voluntary life insurance typically doesn't require a medical exam to qualify for coverage. This can make it a good option for those with pre-existing medical conditions, which can make individual coverage more expensive.

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