Life and Accident Insurance

We deliver Group Life and Accident solutions that allow employers to reduce costs, improve risk pools and enhance the program benefits.

Life and Accident Insurance may appear simple, but it takes an in-depth understanding of these products to build the most competitive programs.  

As experienced advisors on Group Life and Accident Insurance, Pacific Resources delivers solutions that allow large employers to drive savings, improve risk pools and enhance their employee benefits programs.  

The average group life insurance plan covers two to three times the employee’s salary, yet most financial advisors recommend that individuals hold a policy that covers six to eight times their salary. Having a more robust – but not necessarily more expensive – life insurance plan for your employees can help boost their loyalty to you.

Whether for Individual Life, Group Life, Universal Life, Global BTA or Voluntary Life/AD&D, we provide expert advice, analysis and consultation to develop customized solutions for all employees and their families at all levels within your organization.  

We Specialize In:

  • Plan Design and Pricing Analysis (contract, SPD and certificates gap analysis)
  • Underwriting Analysis (premium, claims, reserves, expenses and trends)
  • Plan Participation Review and Targeted Enrollment Campaigns
  • Life & Accident Claims Audits and Social Security Master File Death Sweep Audits
  • Group and Individual Life Options   
  • Financial Review (claims analysis, waiver of premium analysis, funding options, retiree liability and buy-out)
  • Ongoing program support through our “advisor on retainer” service model

We Cover These Group Life and Accident Solutions:

  • Basic, Optional, Dependent Life and AD&D
  • Group Universal Life
  • Business Travel Accident
  • On-and Off-the-Job Accident
  • Executive Life
  • Individual Life
  • Retiree Life
  • Retiree Life Buyouts
  • Pacific Resources Portability
  • Survivor Income Benefits