Group Life Insurance & AD&D for Your South Florida Workforce
Group life coverage should be easy to understand and simple to enroll in—especially for teams across Miami-Dade, Broward, and Palm Beach. Marc Rheingold & Associates helps employers set up basic employer-paid life and voluntary buy-up options, with plan details your people can grasp at a glance. From Kendall and Doral to Fort Lauderdale, Boca Raton, and West Palm Beach, we align coverage amounts, AD&D benefits, and costs with your budget and headcount.
Basic Life, Voluntary Buy-Up, And AD&D
Most groups start with a basic life benefit (flat amount or salary multiple) and add voluntary buy-up so employees can increase coverage for their families. Accidental death and dismemberment (AD&D) can be included or offered separately to address severe injury scenarios. Marc Rheingold & Associates will model different coverage combinations for small teams in Weston and Coral Springs and larger staffs in Delray and Boynton Beach, so elections stay clear and affordable.
EOI Steps, Portability & Conversion
Evidence of insurability (EOI) requirements often apply above guaranteed-issue amounts or during late enrollment. We’ll explain when EOI is needed, how employees submit forms, and what to expect from carrier decisions. If someone leaves your organization or retires, many plans allow portability or conversion; we’ll outline timelines and costs so there are no surprises for employees moving from Miami to another city or transitioning to part-time status.
Coordinate Life With Disability And Individual Options
Life insurance decisions connect to income protection and family planning. Consider pairing your program with
disability insurance to protect paychecks during recovery, and offer educational resources for employees interested in term life or whole life outside the group plan. Marc Rheingold & Associates can provide simple guides that explain how group benefits work alongside individual coverage for managers and staff across the I-95 and 441 corridors.
Rates, Contributions, And Age Bands
Group life rates are typically based on age bands, tobacco status, and elected amounts. We’ll price employer-paid and voluntary structures, then recommend a contribution strategy that balances budget and participation. For multi-location employers across Miami, Fort Lauderdale, and Boca Raton, we can mirror plan rules and effective dates to keep onboarding and renewals consistent.
Service Area And Local Support
We work with employers throughout Miami-Dade, Broward, and Palm Beach counties—Miami, Miami Beach, Doral, Coral Gables, Hialeah, Fort Lauderdale, Weston, Pembroke Pines, Pompano Beach, Boca Raton, Delray, Boynton Beach, West Palm Beach, and Jupiter. Marc Rheingold & Associates provides bilingual meetings by request and clear, reusable enrollment materials for new hires year-round.
Group Life FAQs: Amounts, AD&D, Rates
Is group life employer-paid or voluntary?
Many groups fund a basic life amount and offer voluntary buy-up so employees can add coverage. We’ll price both structures and show the impact on participation.
How much coverage do employees typically select?
Common choices include one or two times salary, or flat amounts. Voluntary buy-up can extend higher limits, subject to guaranteed-issue rules and EOI.
What does AD&D cover?
AD&D pays benefits for certain accidental injuries or loss of life. We’ll outline definitions and examples so employees understand what’s included.
Can employees take coverage with them if they leave?
Some plans offer portability or conversion within specific timeframes. We’ll list the steps and deadlines so departing employees can make informed decisions.
How are rates determined over time?
Rates generally follow carrier age bands and group demographics. We review renewals annually and recommend adjustments if a different structure serves your team better.
