Group Life and AD&D Insurance

Group Life and AD&D Insurance

We’re Here To Help You Get the Most Out of Life

At The Hartford, we empower you to get the most out of everything we have to offer. We’ll walk alongside you every step of the way, providing the right service, support and solutions to help make some of life’s most difficult moments easier.
Group Life and AD&D Insurance

We Make Claims Feel Less Like a Process

We know that a Group Life insurance claim is something no one ever wants to file. That's why we continually look for ways to ensure the process is as clear and easy-to-understand as possible. For employers, that means a simple-to-administer process. For beneficiaries, it means receiving respectful, compassionate support, online access to claim status, along with timely decisions and payments.
Employee Benefits Life Claims Digital Experience

A Simple Claims Submission Process

Our streamlined Life Claims Digital Experience helps reduce administrative workload, simplify the beneficiary’s role and offers resources for needs that go beyond the claim. See how we make submitting a life insurance claim as simple as possible.

You’ll Never Have To Go It Alone

We designed our life and loss benefits and claims processes with the unique needs of employers, employees and beneficiaries in mind. Our group Life insurance and Accidental Death and Dismemberment insurance, also known as Accidental Loss of Life and Severe Injury Benefits, are products that offer protection during the most difficult times in people’s lives. Plus, our streamlined claims submission process eases the administrative burden for employers.
 
After a life insurance claim is filed, our specially trained Life Care Advocates will help support beneficiaries throughout the claims process, assist with funeral planning services and provide other helpful grief counseling resources. 
 
 
Our group life insurance product offers flexible features and resources, including:
 
  • Continuity of Coverage that prevents employees from being without coverage when transferring their prior group life policy – even if they’re not actively at work on that day.
  • A Living Benefit Option that provides advanced life insurance benefits for terminally ill employees or dependents, up to $500,000.
  • A waiver of premium allowing employees to stop paying life insurance premiums while experiencing a qualifying disability.
  • A portability and conversion option that allows employees who leave their company or are under other qualifying conditions to take all or a portion of their coverage with them.
  • A streamlined digital claims submission system that will reduce administrative burden and speed up the processing of benefit payments.
  • Online tools and services designed to guide employees through major life decisions, such as creating a will, travel assistance and funeral planning.1
Accidents don’t just happen to employees in dangerous jobs – they can happen to anyone. Help protect your employees with Accidental Loss of Life and Severe Injury Benefits coverage from The Hartford. Highlights of our coverage include:
 
  • Protection for children, spouses and employees against losses from unforeseen covered accidents.
  • 24-hour accident coverage that can be combined with a group life policy or purchased as a stand-alone product.
  • Optional benefits that allow for a customized experience.

Important State Specific Information

Learn how these products apply to you and your employees based on your state.

We ‘Hart’ Our Customers

 
 
5759c NS 01/25
 
Life Form Series includes GBD-1000 A (10/08), GBD-1100 (10/08), or state equivalent. Accident Form Series includes GBD-1000, GBD-1300, GBD-3300, GBD-3500, or state equivalent. Not for use in CA, NY and PR.
 
1 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit https://www.thehartford.com/employee-benefits/beyond-insurance for more information.
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting companies Hartford Life and Accident Insurance Company and Hartford Fire Insurance Company, under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at https://www.thehartford.com. All benefits are subject to the terms and conditions of the policy. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.