Anthem Spotlight
At Anthem Life, our mission is to provide the people we serve with financial protection and security.

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Group Coverage @ Anthem Life
Provide competitive employee benefits that fit your budget, with our group life and disability coverage.

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Voluntary Coverage @ Anthem Life
Let employees choose their own coverage with voluntary life and disability insurance from Anthem Life.

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Group Life Insurance

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A death in the family is a devastating event. But there’s no reason it needs to devastate the family financially.  
Anthem Life’s group life insurance products are an affordable way to help employees provide financial security for their loved ones. Employers choose from a variety of coverages and options to design a competitive benefit plan that fits their needs and budget. The employer selects the coverage and benefit amounts their plan will offer, and pays all or part of the premium for basic employee life and AD&D coverage.  
 
This section includes:
Group Term Life Insurance
Group Accidental Death and Dismemberment Insurance (AD&D)
 
 
Group term life insurance
 
Anthem Life’s group term life insurance does a lot for something so simple and affordable. For pennies on the dollar, employees can be covered for a designated benefit amount or a multiple of salary.  
 
Our standard plans include special features for added protection. Waiver of premium provisions can continue coverage without further premium payments, for employees who become totally disabled. Living benefit provisions allow employees to receive up to 50% of their death benefit in advance, if they are diagnosed as terminally ill (less than 12 months to live). Additional conditions may qualify for living benefits in some states.  
 
Basic employee coverage is just the beginning. It’s easy to extend that coverage by offering employees the opportunity to buy group term life insurance for their dependent spouses and children, or supplemental group term life insurance for themselves.  
 
 
 
Group accidental death and dismemberment insurance (AD&D)
 
Our group accidental death and dismemberment insurance provides additional benefits to help families deal with the sudden and unexpected needs that may arise if an employee has a serious accident.  
 
The accidental death benefit is usually equal to the employee’s group term life insurance benefit amount. The accidental death benefit may be increased by up to 10% if the employee dies in an auto accident while wearing a seat belt.  
 
If the employee loses his or her sight or loses one or more limbs as a result of an accident, a percentage of the death benefit (typically 50% to 100%) is payable.  
 
If the benefit plan offers supplemental group term life insurance, the employer can choose to include supplemental AD&D. In that case, the coverage will automatically include supplemental AD&D equal to the employee’s supplemental life benefit.  
 
For additional details, Anthem Life producers should refer to the Producer Toolkit.  
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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. In Ohio: Community Insurance Com pany. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. In Wisconsin: Blue Cross Blue Shield of Wisconsin ("BCBSWi"), which underwrites or administers the PPO and indemnity policies; Compcare Health Services Insurance Corporation ("Compcare"), which underwrites or administers the HMO policies; and Compcare and BCBSWi collectively, which underwrite or administer the POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ® ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are registered marks of the Blue Cross and Blue Shield Association. Use of the Anthem Web sites constitutes your agreement with our Terms of Use