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The Handbook of Employee Benefits: Health and Group Benefits 7/E by Jerry Rosenbloom

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CHAPTER 15Business Uses of Life Insurance

Susan Conant

Chapter 14 has covered the use of yearly renewable term life insurance on a group basis in a qualified employee benefit plan. Businesses have numerous further uses for life insurance. Generally, these fall into two broad categories: delivering other employee benefits and supporting business continuation.

In delivering other employee benefits, life insurance can be used in the context of supplemental or voluntary benefits offered to the entire employee population, retiree life insurance benefits, and executive benefits. Life insurance used in supplemental, voluntary or executive benefits may be group life insurance, individual life insurance, or something in between: worksite or workplace ...

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