Voluntary Benefits

Family Protection

Group Term Life, Term Life & Whole Life

These benefits can help provide financial protection for the people who depend on you. Life insurance can help your loved ones with expenses if something happens to you.

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Not sure which life insurance option fits your situation?

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Employer-Supported Coverage

Group Term Life Insurance

Provides $5,000 of life insurance coverage, with the Town paying 90% of the cost. This gives you a basic level of protection at a reduced cost.

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Affordable Family Protection

Term Life Insurance

Provides life insurance coverage for a set period of time. This may be helpful if others depend on your income or financial support.

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Longer-Term Protection

Whole Life Insurance

Provides life insurance coverage that may last longer than term coverage and can offer additional financial protection over time.

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Why family protection matters

Life insurance can help your loved ones with financial responsibilities such as funeral costs, household bills, mortgage or rent, childcare, education expenses, or other everyday needs.

  • Helps protect people who depend on you financially
  • Can support household expenses if something happens to you
  • Gives you options based on your stage of life
  • Includes employer-supported basic protection

Example

You want basic coverage at a lower cost.

Group Term Life provides $5,000 of coverage, with the Town paying 90% of the cost, giving you a simple foundation of protection.

Example

Your family depends on your income.

Term Life may help provide financial support for your loved ones if something happens to you during the coverage period.

Example

You want longer-term protection.

Whole Life may be a good fit if you are looking for life insurance coverage that may continue beyond a set term.

Still not sure where to start?

Use the Best Fit tool to see which voluntary benefits may match your needs.

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