Group vs. Individual Life Insurance
Traditional group life insurance typically provides a basic level of coverage -- often one or two times an employee's annual salary. While this provides a foundation, many employees find that group coverage alone is insufficient to fully protect their families' financial future.
Afficiency bridges this gap by offering individual life insurance products through the worksite channel. Employees can supplement their group coverage with individual policies that provide additional protection, all through the same convenient benefits enrollment process. Our products are portable, meaning employees keep their coverage even if they change jobs.
This combination of group and individual coverage gives employees comprehensive protection while giving employers a more attractive benefits package that aids in recruitment and retention.
Equipping Worksite Brokers
Afficiency's platform is purpose-built for the worksite channel, providing brokers with the tools they need to efficiently offer and manage life insurance benefits for employer groups. Our technology streamlines the enrollment process, making it easy for employees to understand their options and enroll in coverage during open enrollment or qualifying life events.
The platform supports both broker-assisted and self-service enrollment models, giving flexibility to match each employer's preferences. Real-time reporting and administration tools keep brokers informed and in control of their book of business.
Worksite Platform Features
Purpose-built capabilities for delivering life insurance through the worksite channel.
Broker Branding
White-labeled enrollment experience customized with your brokerage's brand identity. Maintain your brand presence throughout the employee enrollment journey.
Seamless Integration
Integrates smoothly with existing employee benefits platforms and enrollment systems. Employees experience life insurance as a natural part of their benefits selection process.
Instant Approval
Employees receive instant coverage decisions during enrollment. No waiting periods, no follow-up appointments. Coverage begins immediately upon approval.
Job Classification
Intelligent job classification system that maps employee roles to appropriate coverage levels and pricing, ensuring accurate and fair underwriting for all employee classes.
Portable
Individual policies belong to the employee, not the employer. When employees change jobs, their coverage travels with them, providing continuous protection regardless of employment status.
Employer Branding
Customizable enrollment portal with employer branding and messaging. Reinforce the employer's commitment to employee well-being with a polished, branded benefits experience.
Enhance Your Worksite Benefits
Give your employees the life insurance protection they need with Afficiency's digital worksite solutions. Simple enrollment, instant decisions, portable coverage.
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