Protect what matters most.

Group Life Insurance That Protects What Matters Most

Life insurance is one of the most valuable benefits an employer can offer. It provides employees and their families with financial protection during one of life's most difficult moments, helping replace lost income and cover expenses when it's needed most.

Call (210) 410-0472

Written and reviewed by Jordan Schwabe, licensed independent insurance broker serving New Braunfels, Texas. Last reviewed August 3, 2026.

The case for it

Why Offer Group Life Insurance?

Whether you're looking to provide employer-paid life insurance or offer additional voluntary coverage, we'll help you design a solution that fits your business and your employees' needs.

Life insurance is often one of the most appreciated employee benefits because it provides peace of mind at an affordable cost.

Offering life insurance can help your business:

Support employees and their families
Enhance your employee benefits package
Improve recruitment and employee retention
Provide valuable financial protection
Demonstrate your commitment to your team's well-being

Many employers choose to include basic life insurance as an employer-paid benefit while allowing employees to purchase additional voluntary coverage for themselves and their families.

The base layer

Employer-Paid Life Insurance

Employer-paid life insurance provides a base level of financial protection at little cost to employees.

Coverage amounts are often based on a flat dollar amount or a multiple of an employee's annual salary, depending on the plan design.

Providing this benefit can give employees peace of mind, knowing their loved ones would have financial support if the unexpected occurs.

What employees can add

Voluntary Life Insurance

Many employers also choose to offer voluntary life insurance, allowing employees to purchase additional coverage through payroll deductions.

Depending on the carrier and plan, employees may also have the option to insure:

A spouse
Children
Domestic partners (where available)

Voluntary life insurance allows employees to increase their financial protection while often benefiting from competitive group rates.

The design decisions

Choosing the Right Coverage

No two businesses are alike, which is why we take the time to understand your goals before making recommendations.

We'll help you compare:

Employer-paid vs. voluntary life insurance
Coverage amounts
Guaranteed issue opportunities
Employee contribution strategies
Insurance carriers
Long-term value for both your business and your employees

Our goal is to build a benefits package that supports your workforce while remaining cost-effective for your company.

Working with Jordan

Why Work With Clear HealthPlan Advisors?

We believe employee benefits should be simple to understand.

When you work with us, you'll receive:

Personalized recommendations tailored to your business
Access to multiple insurance companies
Clear guidance without confusing insurance terminology
Ongoing service and support after enrollment
A trusted advisor focused on your long-term success

Questions

Life Insurance questions

Is employer-paid life insurance required?

No. Employers choose whether to include life insurance as part of their employee benefits package.

Can employees purchase additional life insurance?

In many cases, yes. Voluntary life insurance allows employees to purchase additional coverage for themselves and, depending on the plan, their eligible family members.

Can small businesses offer life insurance?

Absolutely. Many small businesses choose to include life insurance as part of a competitive employee benefits package, helping attract and retain quality employees.

Protect Your Employees and Their Families

Life insurance is a simple, affordable way to provide meaningful financial protection while strengthening your overall employee benefits package. Schedule a consultation today to explore your options.

Call (210) 410-0472