Group Life Insurance Services In Texas

In the heart of Texas and reaching nationwide, iSure LLC understands that the true wealth of a company lies in its workforce. As a leading business insurance broker, our mission is to protect what matters most to businesses: their employees. With our specialized Group Life Insurance services, we are committed to offering businesses, both large and small, a means to support their employees’ families during the most challenging times. We have proudly saved businesses significant costs, but we truly value the peace of mind we provide. Let’s delve into the essence of Group Life Insurance and understand how iSure LLC can navigate you to the best solutions.

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What is Group Life Insurance?

Group Life Insurance is a type of coverage primarily offered by employers to protect the financial well-being of an employee’s loved ones in the unfortunate event of their passing. It operates under a single contract that extends a life insurance benefit to a group of people, typically the employees of a company. In some cases, at lower coverage limits, it can also extend to spouses and children.

Some key features of Group Life Insurance include:

Cost-effective: Thanks to the pooled risk across multiple individuals, it is generally more affordable than individual life insurance policies.
Simplified Process: There’s often no need for a medical exam or extensive paperwork.
Flexible: While the employer usually covers part of the premium, employees can opt to enhance their coverage based on their individual needs.
Term-based: Group Life Insurance primarily operates as term life insurance, meaning it doesn’t accrue a cash value and is valid for a specific period, such as the duration of the employee’s tenure at the company. It can sometimes extend to cover COBRA benefits.

FAQ

How do I find the best group life insurance broker?

The best brokers are those who prioritize your needs, demonstrate deep market understanding, and have proven track records. At iSure LLC, we have showcased our expertise countless times by offering personalized solutions based on a comprehensive analysis of quotes from all major carriers to guarantee the best rates and benefits for your business. Moreover, we offer our guidance without any charge to you, earning our commission directly from the insurance companies.

What are the different types of group life insurance?

Basic Life: Sponsored by the employer, this type of insurance guarantees a lump-sum benefit to all full-time employees, irrespective of their role or position in the company.
Voluntary Life: This type of insurance gives employees the option to purchase additional life insurance at their own expense, often ranging between $100,000 and $500,000. It is a popular choice due to its affordability compared to individual term policies and its minimal approval requirements.

What are the legal requirements for group life insurance?

Legal stipulations for group life insurance can vary based on both the state and the size of your company. Generally speaking, employers who offer group life insurance must comply with state-specific insurance regulations and adhere to the stipulations of the Employee Retirement Income Security Act (ERISA). To ensure full compliance, employers should consult with legal experts. In Texas, iSure LLC can assist you in navigating the complex legal landscape, ensuring both protection and compliance.

Who We Help

At iSure LLC, we pride ourselves on offering comprehensive group insurance solutions tailored to a myriad of sectors and companies small, medium, and large. We have expertise that caters to a wide range of industries and businesses of all sizes. Our services span from the busy energy sector of oil and gas firms to the precision of medical practices. We offer group insurance plans that cover health, dental, vision, life, and various other benefits.

Oil Companies

Medical Practices, Hospitals, & Labs

Law Firms

Financial, Stock, & Accounting Firms

Construction Companies

Real Estate Offices

Manufacturing Firms

Aviation, Transportation, & Logistics

and Many Other Industries

Company Sizes We Help

2-4 Employees

5-49 Employees

50-99 Employees

100-250 Employees

Ready To Get Started Today?

What’s Included

Better Prices

We carefully listen to your needs and shop every major carrier to find you the best rate. Zero hassle and our services are completely free.
High Quality Plans

We carry every major carrier, this includes Aetna, Allstate, Blue Cross Blue Shield, Cigna, United Healthcare, and many more.
Fast, Responsive Service

Our representatives will get back to you within a few hours. We pride ourselves on providing incredible customer service, this is just one way we prove how important your needs are to our organization.

“I highly recommend Phil and his team for all your insurance needs. I have been a happy customer for almost 10 years. I do not recall an instance where the Raskin Team have not quickly resolved any request I may have had with outstanding results. As a benefits admin I can attest they have made my job a whole lot easier. They are easy to contact, provide excellent Customer Service and always available to help in any situation. Best of all I don’t feel like I’m working with a huge company where I always speak with someone new… it is comforting knowing when I contact them, I know I am speaking to a familiar voice who I am confident will do all they can to assist me.”

We recently had the pleasure of working with iSure to improve our company’s insurance offerings, and we couldn’t be more satisfied with the services provided. From their exceptional assistance to their extensive knowledge, Phil, Jordan, and Tamara truly went above and beyond to make the entire process smooth and stress-free.

From the initial consultation to the final implementation, they ensured we understood each aspect of the insurance policies and benefits. Their clear explanations made the complex world of insurance easy to grasp, even for those who were less familiar with the industry’s intricacies.

“I highly recommend Phil or Mel with your insurance. They both are very personable and professional as well. We at Bay Area Recovery have used them for many years now and have been very satisfied.”

“Phil & the team over at iSure LLC is an absolute pleasure to work with. Their commitment to integrity & attention to detail is second to none. I am routinely struck with the way they drill down beneath the surface of group health plan design (deductible, coinsurance, co-pay, etc) for their clients, asking questions about subtleties that can make a huge difference depending on the needs of the group. Phil’s skepticism & thorough screening of carriers serves his clients well; he will not sell a plan he would not buy for himself or that he believes to be a raw deal for the client in question. Do yourself & your employees a favor by engaging the team at iSure LLC today.”

“AMAZING! That’s the best way to describe my experience with ISure and especially Sylvia and Phil. I work for a very small company whereby only 5-6 employees require insurance. I am not an HR person but wear that “hat” here, I didn’t know where to start or even if we could get insurance for such a small group. I found ISure via Google Reviews and gave them a shot and we are happily starting our 2nd year with them. I hope this simple review will help you like it helped me choose this group.” Do yourself & your employees a favor by engaging the team at iSure LLC today.”

“I have used Phil Raskin and his agency since 2005. He was a great help to me when I became a single Mom searching for health insurance for me and my children back then. (after getting a divorce and having to find my own insurance for the first time in years). Phil knows more than ANYONE in the insurance history about life and health insurance. I have sent him many referrals over the years and he is currently still doing my son’s insurance who is now 28 years old. I personally have clients that ask me every day, almost, who I would use for my life and health insurance referrals, and I tell them I would NEVER use ANYONE but Phil and his agency. Give them a try. You will not be disappointed, and you will not find anyone with more knowledge than Phil in the industry!”Do yourself & your employees a favor by engaging the team at iSure LLC today.”

iSure LLC is a licensed insurance agency by the State of Texas
iSure, LLC – an AO Insurance and Selected Benefits Partnership
Philip Raskin: Owner/Agent
FFM ID: philraskin
NPN: 8473402
Texas Insurance License: 1343529

4.9 Stars on Google

 4.9/5

281-345-0805