Life and AD&D

Empathy and Ease to Make Tough Times Feel Better

Your employees and their loved ones can count on people who care after a death or physical loss. And you can feel good knowing their experience will be easy when they file claims for Group Life and Group Accidental Death and Dismemberment insurance.

Compassion and Extra Care for Beneficiaries

Our Life and AD&D team members know how to listen and offer compassionate support. They take part in specialized grief training every year. This also helps our claim analysts recognize when beneficiaries need more support — such as a referral for grief counseling.1

At The Standard, we believe in putting people first — and caring for your employees and their loved ones like they’re family.

Less Stress During Life and AD&D Claims

We streamline claims to make the experience easy. Beneficiaries and employees dealing with a physical loss can rely on one analyst for both Life and AD&D claims. So there are no worries about who to call.

We also collect and pay for all required records, such as police reports and medical records, so beneficiaries don’t have to track them down.2 That means less stress for loved ones.

Key Features
Flexible plans to fit business needs
Benefits during a terminal illness — employees can apply to receive a portion of Life insurance funds early
Portable coverage — employees who qualify can buy coverage from The Standard if they leave their jobs
Help if totally disabled — employees may qualify for a waiver of Life insurance premium for a specific time period
AD&D benefits for families — if an employee dies due to a covered accident, family members may be eligible for Higher Education, Child Care or Career Adjustment benefits
Special Services Employees Can Use Now

Our plans may come with access to services that can make life and travel easier.

Life Services Toolkit
Life Services Toolkit*
Learn More

The Life Services Toolkit provides Group Life beneficiaries access to grief counseling and an online suite of tools to help with funeral planning and legal and financial issues in the year after a death. The Toolkit's website helps families make plans now — and for the future.


*Not available with products offered by The Standard Life Insurance Company of New York.

Travel Assistance
Travel Assistance*
Learn More

Travel Assistance lets employees and their families with Group Life coverage travel more securely. The service helps them prepare for trips and replace lost credit cards and passports. Employees can also use the service to find medical and legal services around the clock and around the world.


*Not available with products offered by The Standard Life Insurance Company of New York.

AD&D Occupational Assistance
AD&D Occupational Assistance*
Learn More

Employees with Group AD&D coverage who suffer an accidental dismemberment, such as a loss of a hand or sight, can get help returning to work. The goal of AD&D Occupational Assistance is to help the employee return to work with your organization. If that's not possible, we'll assist in a new job search.


*Not available with products offered by The Standard Life Insurance Company of New York.

More Ways to Help Employees Protect Those They Love

You can build a sound benefits foundation by providing Life and AD&D insurance for your employees. You can also offer them the option to increase their coverage at group rates — and to cover family members. Consider adding these plans as buy-up options:

Additional Life and AD&D
Dependents Life and AD&D


With our Voluntary insurance options, your employees can have access to important benefits at group rates. Plus automatic payroll deductions. Consider adding these plans for employees and their dependents:

Voluntary Group Life
Voluntary Group AD&D

Life Insurance

Need a way to show your employees how Life insurance helps provide financial security for their loved ones? Show them this video.



AD&D Insurance

This video shows how Accidental Death and Dismemberment insurance helps protect people from financial loss. Use it as a tool to educate your employees.



Looking for Life and AD&D insurance for your team?

Contact your broker or call your local employee benefits sales and service office at 800.633.8575 to learn more about our flexible plan designs.