A New Kind of Employee Benefit
at Zero Cost to You
Introducing PortableLife™ insurance, a turn-key life insurance benefit solution with:
Zero payroll involvement
Zero cost to the company
Zero admin burden
TRUSTED BY:
Current Challenges with Traditional Group Plans
Not portable ☹️
Coverage disappears when employees leave.
Administrative burden
ERISA compliance and payroll integration create headaches.
Limited coverage amounts
Often too low to meet employee needs.
Narrow product types
Typically just basic term or accidental death, with no cash value or retirement-friendly options.
Participation rules
Most carriers require 50–75% enrollment.
PortableLife™ Insurance:
Add a Turn-Key Life Insurance Benefit, no Stress Attached
Offer employees portable, individually owned life insurance—at no cost, no payroll involvement, and no admin work for HR.
(which also means no ERISA)
The Benefits of PortableLife™ Insurance
Our approach brings employees meaningful, long-term financial protection while removing cost, compliance, and administrative burden from HR. Every policy is individually owned, portable, and tailored to each employee, making this a true win-win benefit for both the company and its people.
Financial Security
Employees with life insurance are far more likely to feel financially secure, which boosts performance, focus, and job satisfaction.
Voluntary Enrollment
Employees choose whether or not to enroll and how much coverage to get, without being subject to a restrictive “open enrollment” period.
No Cost, no Admin for HR
Policies are employee-paid, with direct carrier billing (no payroll integration). Our agents will also provide all customer service for your employees’ coverage.
Expanded Product Access
Beyond term life, employees can explore permanent life insurance with cash value growth and other tax-advantaged strategies for saving and retirement.
Guaranteed Issue Coverage
We offer guaranteed issue options for employees who may not qualify medically, ensuring everyone has access to protection and peace of mind.
Recruiting & Retention Edge
Strengthen your benefits package to compete with larger employers while improving employee satisfaction, loyalty, and retention rates.
Supporting Research (LIMRA / Life Happens):
68% of life insurance owners feel financially secure, compared to only 47% of non-owners.
Just 25% of adults with only workplace life insurance coverage say they are very or extremely knowledgeable about life insurance.
More than 4 in 10 households (42%) that only have workplace life insurance coverage say their families would struggle financially in less than six months should a wage earner die unexpectedly.
As of 2023, 67% of employers said life insurance is an important benefit (up 14 percentage points from 2021).
When it comes to benefits employees are looking for in a potential employer, 30% are looking for insurance benefits such as life insurance, disability insurance, and dental insurance.
PortableLife™ Insurance: Simple, Fast, & Hands-Free
Step 1 — Introduce PortableLife™ Insurance to Your Team
We host a short educational workshop (live or recorded) to help your employees understand how portable, individually-owned life insurance works — and why it matters for their families. This is educational in nature, there is no sales pitch and no obligation to enroll.
Step 2 — Employees May Enroll, Only if They Choose to
Any employee who wants coverage meets with us privately. Policies are individually owned, underwritten per person, and premiums are paid directly from the employee’s account — no payroll involvement and no employer administration.
Step 3 — Employees Can Keep the Coverage, Even if They Leave
Each employee owns their policy for life. If they change jobs, retire, or relocate, their coverage goes with them — giving them true long-term protection without creating any ongoing responsibility for your company.
Services Included:
Personal Coverage Reviews
We onboard each employee individually & review their coverage periodically as life, family, or career evolves over time.
Employee Education & Workshops
Educational workshops help employees understand life insurance & make informed decisions without pressure.
Online Employee Education Portal
Gain access to a secure web portal with recordings of all workshops, making education is available to remote teams.
On-Demand Coverage Support
Employees can schedule one-on-one conversations anytime to ask questions, make policy updates, or get guidance.
Family & Household Protection Planning
Look beyond workplace benefits to evaluate protection for spouses, children & long-term family coverage needs.
Live & Recorded Workshop Series for Employee Financial Wellness
Each session is designed to improve employees’ financial well-being, reduce stress, and give them practical tools to protect their families.
Everything from understanding core protection strategies to turning life insurance into a wealth-building tool, our workshops help employees make smarter, more confident financial decisions.
Money & Protection: How to Build Financial Peace of Mind
A big-picture overview of financial protection, practical money habits, and why insurance is part of a healthy financial plan.
Topics we’ll cover:
• Simple budgeting habits to stop living paycheck to paycheck
• How to find extra money in your budget
• Smart financial practices we all wish we’d started earlier
• Where life insurance fits into a financial plan
• Adjusting coverage for life stages like marriage, kids, or a mortgage
Key takeaway:
Employees leave with practical financial habits and a clear sense of why protection is foundational to wellness.
Life Insurance Made Simple
A straightforward overview that complements your existing group benefits by showing how individual, portable coverage can add extra security.
Topics we’ll cover:
• The role of group coverage and why it’s a great start
• How portable coverage works alongside group life
• Key differences between term, whole life, and cash value
• Common myths that cause confusion
• Riders explained in plain English
Key takeaway:
Employees gain confidence about how life insurance works and how portable options can complement what they already have at work.
Family First: Protecting Your Entire Household
How to build a protection plan that covers spouses, children, and the full financial picture of your family.
Topics we’ll cover:
• Why protecting only the employee isn’t enough
• Options for spousal coverage
• Affordable children’s coverage that builds cash value
• Sizing coverage by income, debt, and future needs
• Blending coverage with health insurance, 401(k), and savings
Key takeaway:
Employees leave empowered to build a family-first protection plan, not just individual coverage.
Coverage Check-Up: Understanding & Reviewing Your Policy
A hands-on session where employees can bring their own policies and learn how to review them with confidence.
Topics we’ll cover:
• How to read key sections (coverage, riders, exclusions, cash value)
• Common gaps in old or employer-provided coverage
• When to adjust policies to fit changing life stages
• Live Q&A and optional one-on-one reviews
Key takeaway:
Employees gain clarity and confidence about their current coverage and how to keep it up to date.
Turn Life Insurance into a Wealth-Building Tool
An introduction to the long-term wealth-building potential of permanent life insurance.
Topics we’ll cover:
• Basics of cash value growth
• How to structure policies to build tax-free assets
• Using policies to supplement retirement income
• Lesser-known tax advantages
Key takeaway:
Employees see life insurance as more than a death benefit — it can also be a financial asset.
Beyond the 401(k): Complementing Retirement Savings with Life Insurance
An introduction to the long-term wealth-building potential of permanent life insurance.
Topics we’ll cover:
• Basics of cash value growth
• How to structure policies to build tax-free assets
• Using policies to supplement retirement income
• Lesser-known tax advantages
Key takeaway:
Employees see life insurance as more than a death benefit — it can also be a financial asset.
- Because these are individually owned, voluntary policies, your company avoids ERISA and compliance risk entirely.
Book Your 15-Minute HR Strategy Call
Click below to schedule some time to explore how PortableLife™ insurance might fit into your company’s benefits strategy.
Frequently Asked Questions
Is this a group life insurance plan?
No. PortableLife™ insurance policies are individually-owned. Each employee applies for and owns their own coverage, and the policy is issued directly to them. Because it is not employer-sponsored and not paid through payroll, it does not function like a traditional group benefit.
Does this create any compliance or ERISA responsibility?
No. Since the employer does not pay for the coverage, does not administer it, and does not control enrollment, the program is considered a voluntary, employee-owned benefit. PortableLife™ insurance is specifically designed to avoid ERISA and administrative burden for your organization.
Do we have to handle payroll deductions or billing?
No. PortableLife™ insurance premiums are paid directly between the employee and the carrier. There is no payroll integration, no accounting impact, and no ongoing employer involvement.
What happens if an employee leaves the company?
A PortableLife™ insurance policy is theirs — it stays in force with no changes. Because it is not tied to employment, they keep their coverage when changing jobs, retiring, or relocating.
What types of employees is this best suited for?
PortableLife™ Insurance works well for small and mid-sized companies that want to offer stronger protection and financial-wellness support to their teams — especially in roles where retention, family security, and stability matter.
Does this replace our existing group life benefit?
No — it complements it. Many employees choose to keep their group life coverage and add PortableLife™ to fill gaps and ensure they aren’t left unprotected when they leave an employer.