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.

Get a Quote

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, Equitable, 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:

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

The policy has limitations and exclusions. Optional riders and/or features may incur additional costs. Plan documents are the final arbiter of coverage. Policy form/contract ICC18 MOEBPLI; ICC18 AXEBPLI; MOEBP0618 LI; AXEBP0618 LI and state variations.

Life for groups less than 51 enrolled administered by Southern National Life Insurance Company, Inc., a subsidiary of Blue Cross and Blue Shield of Louisiana. Life for groups 51+ administered by Equitable, an independent company. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY), Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC, and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI and TN). All group insurance products are issued either by Equitable Financial Life Insurance Company or Equitable Financial Life Insurance Company of America, which have sole responsibility for their insurance and claims-paying obligations. Some products are not available in all states. EB360® is a registered mark of Equitable Holdings, Inc., NY, NY. GE-8047945.1(6/25)(Exp.6/29)**Blue Cross Blue Shield Global is a Brand owned by Blue Cross Blue Shield Association. GeoBlue is the trade name of Worldwide Insurance Services, LLC (Worldwide Services Insurance Agency, LLC in California and New York), an independent licensee of the Blue Cross Blue Shield Association and is made available in cooperation with Blue Cross and Blue Shield companies in select service areas. Coverage is provided under insurance policies underwritten by 4 Ever Life Insurance Company, Oakbrook Terrace, IL, NAIC #80985. 4 Ever Life Insurance Company is an independent licensee of the Blue Cross Blue Shield Association.