Life doesn't follow a script.
Your insurance coverage shouldn't either. Our comprehensive Group Life Insurance and Accidental Death & Dismemberment (AD&D) solutions provide your team with essential financial protection that reflect the realities of both everyday life and unexpected events.
As 4As Benefits specialists who understand the advertising industry's unique workforce dynamics, we deliver coverage options that balance robust protection with administrative simplicity—transforming what could be complex insurance decisions into strategic benefits that strengthen your agency's talent proposition.
Life Insurance That Matters When it Matters Most
Life insurance isn't just financial protection. It's peace of mind. Whether your team members are supporting families, building careers, or planning for the future, appropriate life coverage serves as the foundation of a comprehensive benefits strategy.
Coverage That Evolves With Your Team
Your agency's talent spans different life stages, each with unique protection needs:
- Early-career professionals may need coverage to protect against student loans and other debts that could burden family members
- Mid-career team members often require more substantial coverage to protect growing families, mortgages, and education plans
- Senior leaders may seek coverage that complements retirement planning and wealth transfer strategies
Our flexible plan designs accommodate these diverse needs while providing the administrative simplicity HR leaders require.
Plan Options That Deliver Real Value
4As Benefits provides multiple life insurance solutions exclusively for member agencies:
- Basic Group Life with guaranteed issue limits that exceed industry standards
- Supplemental Life allowing employees to increase coverage based on personal needs
- Dependent Life extending protection to spouses and children
- Portable Coverage maintaining protection even after employment changes
All options feature competitive rates leveraging our collective purchasing power. We deliver premium coverage at costs individual agencies simply cannot secure on their own.
AD&D: Essential Protection Beyond Life Insurance
When accidents happen, Accidental Death & Dismemberment (AD&D) coverage provides an additional layer of financial security that complements traditional life insurance. This specialized protection addresses two critical scenarios:
- Accidental Death Benefit provides additional payment (typically doubling the life insurance benefit) when death results from an accident
- Dismemberment Benefit delivers scheduled payments for serious injuries resulting in loss of limbs, eyesight, hearing, or specific bodily functions
For your agency's team members, this creates comprehensive protection that addresses both the expected and unexpected challenges life may present.
The Strategic Advantage
Integrating Life and AD&D coverage into your benefits program delivers advantages beyond basic protection:
- Talent Attraction by demonstrating your commitment to employee financial wellbeing
- Administrative Efficiency through streamlined implementation and management
- Cost Optimization leveraging 4As collective purchasing power
- Coverage Continuity with flexible portability options
Expert Guidance
Determining appropriate coverage levels requires balancing multiple factors. Our specialists provide personalized guidance that considers:
- Demographic profile of your agency workforce
- Industry compensation standards
- Budget considerations
- Administrative preferences
This consultative approach ensures your life and AD&D offering delivers maximum value for both your agency and your team.
Contact our benefits specialists to design life and AD&D coverage that reflects your agency's commitment to protecting your most valuable asset: your people.
