Group Life and AD&D Programs

SMA Services, Inc., partnering with The Standard Insurance Company, offers an array of Group Life products to help you and your employees.

Your Employees are Important — Help Them with Life Insurance Products Tailored to Their Needs.

As the foundation of an employee benefits program, Group Life and AD&D insurance from The Standard offers you the opportunity to help protect your family, your employees and their families from financial hardship in the event of death. Many competitive features and family-friendly provisions are included.

Benefits of Group Life and AD&D Insurance:

Accelerated Benefit
Eligible members suffering from terminal illnesses may receive an early lump sum payout (up to 75 percent of their life insurance benefits) in a one-time lump sum payment.

Repatriation Benefit
Provides an additional benefit (up to $5,000 or 10 percent of the life insurance benefit, whichever is less) to help pay for expenses associated with transportation of an eligible deceased member if the place of death is more than 200 miles away from the member’s primary residence.

Seat Belt Benefit
If an eligible member dies as a result of an automobile accident while properly wearing and using a seat belt system, an additional benefit equal to the amount of the AD&D insurance benefit payable for the loss of life (up to a maximum of $10,000) will be paid.

Higher Education Benefit
Provides an eligible surviving child an additional benefit (not to exceed $5,000 per year, or the cumulative total of $20,000 or 25 percent of the AD&D insurance benefit). See the Family Benefits Package brochure for more detailed information.

Career Adjustment Benefit
Provides an eligible surviving spouse an additional benefit (not to exceed $5,000 per year, or the cumulative total of $10,000 or 25 percent of the AD&D insurance benefit, whichever is less) should they need to make a career adjustment as a result of the insured member’s death. See the Family Benefits Package brochure for more detailed information.

Child Care Benefit
Provides an eligible surviving spouse an additional benefit (not to exceed $5,000 per year or the cumulative total of $10,000 or 25 percent of the AD&D insurance benefit, whichever is less) should they require the assistance of a caregiver to watch over young children. See the Family Benefits Package brochure for more detailed information.

SMA Services, Inc. knows that everyone has different needs so we’ve given you the flexibility to choose the right amount of protection for you and your family.
The Needs Estimator will help you calculate the amount of life insurance you may need, then calculate the amount of premium using the Premium Calculator and contact a Customer Services Representative (listed below) to apply for coverage.
Click Here to see the Life/ Accidental Death and Dismemberment Insurance Booklet for more detailed information.

CALL Customer Services 1-800-423-4992 ext 150-Wendy Erhart 

For information on the exclusions and limitations for this coverage, Click Here to view the Life and Click Here to view the AD&D Certificate.