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whatwhatwhat | Why do employers give you free life insurance? |
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Sue
|
First of all it is cheap and a nice benefit to offer & second, the employee gets the face value but also the employer gets the face value. This is for the costs of training a person to take your position when you die. It is NOT only Walmart, it is as far as I know, every employer that buys life insurance for their employees. I found it out when I was taking my licensing classes when I took the life insurance section (about 19 yrs ago). |
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girlwhoknowsitstrue
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Free life insurance is a very inexpensive benefit when purchased as a group license. In addition, fringe benefits keep employees from going to other companies - and retention saves an employer money (they don't have to go and hire and retrain your replacement).
Also, very few employees die while they're employed - but for the few who do, it is a positive effect when their dependents have a chunk of money from the insurance company compliments of their employer. It stops the survivors from hounding the employer for more money. |
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Jag J
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Not usually free, but part of a comprehensive benefits package for a reduced rate given the size of the group plan. |
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marilyn_katz
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Think about it. In the old days an employer may have to care for the widow/family of an employer who passed away. Life insurance is the current way to do this, and is part of a benefit plan that employees expect.
But....
This reminds me of the case of Wal-mart buying fairly large life insurance, with themselves as the beneficiary, on employees - apparently without the employees knowing it.
It was almost as if they were "speculating" on their employees lives since it certainly could not cost that much to actuallly replace the greeters or check out people.
So...
Do other companies do this? I don't know.
Compare Life Insurance: |
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bob
 |
It is a cheap benefit. It only costs them a couple of $ per employee each month. It also is a huge benefit if an employee passes away. The family of the deceased will have money to bury them. |
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Hadley
 |
Employers provide free life insurance as part of a Benefits Package to get and keep employees with their company.
Group Life Insurance is the term used for the life insurance provided by Employers. It is usually very inexpensive, a few dollars per month, per employee. However, if you pay for part of your benefits yourself, some of your money may be going to this coverage.
Important Point: When you leave an employer, you may be able to continue your life insurance policy, or convert the policy to a permanent plan. Make sure to look into this option and find out what paperwork is necessary and by what date you need to request this option before leaving your current employment. Especillay important if you are uninsurable anywhere else.
However, some people need more coverage than the 1-1 &1/2 times your salary, usaully provided by these policies.
That's why some people purchase term life insurance to add to, or supplement, their existing Employer-provided life insurance plan.
To compare free, instant term life insurance quotes online from top-rated insurers, with no obligation, Visit https://www.efinancial.com/smartquoteefc.aspx?source=389-707
I hope that helps! Best of luck to you. |
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