At DiNicola Insurance Services, we offer Group Life insurance plans that can be tailored to your company’s needs. They can be employer-sponsored or voluntary policies that employees pay for at the group rate, depending on the level of participation at your company. In all cases, we find options that work within your budget.

In addition to Group Life insurance, we offer a wide range of Employee Benefit products and programs that accommodate a wide range of business needs—from health plans to retirement accounts, from employer-paid to employee-financed.

Your DiNicola Insurance Services advisor will conduct a review of your staffing and budgeting and become familiar with your corporate culture in order to find options that are best suited to your needs.

Whole Life:

• Provides a set payment for beneficiaries upon the death of the insured and doesn’t expire at a certain age.
• It is more expensive than term life, but some policies build cash value over time.
  

Term Life:

• Offers affordable coverage for a certain period, typically when the policyholder still has young dependents.
• Coverage becomes unavailable at a certain age and often provides large death benefits for low monthly or quarterly payments.