Life Products

Whether your group has two employees or 10,000, we have life insurance plans that help protect loved ones and provide stability when it’s most needed.

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Life insurance is something that no one likes to think about. Forty-four percent of American households would encounter significant financial difficulties within six months if they lost the primary wage earner in their family, twenty-eight percent would reach this point in one month or less, and about five in ten Americans report not having any life insurance or lacking sufficient coverage.1

Blue Cross and Blue Shield of Louisiana (Louisiana Blue) offers a range of life insurance plans for your clients and their employees to choose from.

  • Through Southern National Life Insurance Company (SNL), Louisiana Blue offers Basic Group Term Life/Accidental Death and Dismemberment (AD&D), and Voluntary Term Life/AD&D for groups with 50 members or less.
  • Through our partner, BCS Financial, Louisiana Blue offers Basic Group Term Life/AD&D and Voluntary Term Life/AD&D for groups with 51 or more members.

Basic Group Term Life/AD&D (GTL)

Employee and dependent life coverage paid for by the employer or shared contributions.

Did you know…

  • Strong life insurance coverage is essential for your group customers who want to create a robust and competitive benefit package for their employees.
  • Life insurance offers your employees and their families a safeguard from many unexpected expenses if something should happen to them.
  • Employers can offer this high-value benefit at a great price; and, employer-funded plans generally count as a business deduction for employers.

Voluntary Term Life/AD&D (VGTL)

Optional employee and dependent life coverage paid for by the employee through the convenience of payroll deduction.

Did you know…

  • Voluntary plans offer extra value to employees at no added cost to the employer's company. Premiums are payroll-deducted, which means benefits are convenient for employees and economical for employers.
  • Voluntary term life insurance is a way to provide the same protection as our Basic Group Term Life in a way that is cost-effective to both employers and their employees.
  • Employers can offer voluntary term life coverage with any Basic Life plan or as a stand-alone plan.
  • This option allows employees to purchase additional coverage above what an employer may offer with our Basic Life insurance. This helps provide financial stability and would protect employees' families from some unexpected expenses, if something were to happen to them.
For groups with 50 or less members:

For groups with 51 or more members:
 Please contact your Louisiana Blue representative to learn more

Source 1: Life Insurance Statistics, Data And Industry Trends 2024, Forbes Advisor

BCS EssentialCare is a brand name for products issued by BCS Financial. 4 Ever Life Insurance is a subsidiary of BCS Financial Corporation. BCS EssentialCare hospital indemnity, critical illness and accidental injury insurance policies are underwritten by BCS Insurance Company, Worthington, OH (Administrative Offices: Oakbrook Terrace, IL) under policy form series 25.1214, 27.202, 23.200, and 25.1225. BCS EssentialCare term life and disability policies are underwritten by 4 Ever Life Insurance Company, Oakbrook Terrace, IL under policy form series ICC25-62.215 and ICC25-62.225. Employees must be actively at work to be eligible for EssentialCare policies. Some states may have minimum coverage requirements or other regulations affecting the benefits offered under EssentialCare policies. See policy documents for a complete description of benefits, exclusions, limitations, and conditions of coverage. Features and availability may vary by location and are subject to change. ESSENTIALCARE PRODUCTS ARE LIMITED BENEFIT POLICIES — READ YOUR POLICY CAREFULLY. THESE POLICIES ARE NOT MAJOR MEDICAL INSURANCE AND ARE NOT INTENDED TO BE A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE.