Leaders Lifestyle Family of Voluntary Insurance Products

Oklahoma Voluntary Worksite Benefits

Leaders Life is quickly becoming the carrier of choice for Employers and Associations and is expanding throughout the South and Midwest. We offer a competitive portfolio of voluntary insurance products including individual Term Life to age 100 plans (with and without Critical Illness Benefits), Individual Short-Term Disability Income, Basic and Voluntary Group Term Life & AD&D, and our newest plan, Voluntary Group Accident.

These plans are also available to the employee’s spouse, children and grandchildren, without the employee participating which is why Leaders Life is one of the top carriers in the market for Dependent Coverage!

Individual Term Insurance to Age 100 Plans

  • Lifestyle Term Life to Age 100 with Critical Illness
    • Guaranteed level premium to age 100
    • Death benefit designed to be level by participating dividends based on current factors.
    • 30% critical illness feature that can accelerate the life benefit paid upon diagnosis of one of 5 major health conditions:
      • heart attack
      • cardiac bypass surgery
      • stroke
      • life-threatening cancer, or
      • terminal condition with a life expectancy of 24 months or less
        (Premium reduced by 30% and waived for one year after qualified benefit is paid.)

  • Lifestyle Lifetime Plan
    • Term to Age 100 Life Insurance Only
  • Term Insurance to Age 100 Underwriting
    • Simplified Issue up to Table 4 for coverage amounts from $10,000 to $150,000
    • Coverage Reduction for Table 6 and Table 8 risks (no premium change)
    • $10,000 Guarantee Issue Groups over 50 EE’s
      ($10,000 GI is available for the employee, their spouse and children when minimum participation requirements are met.) 

Individual Short-term Disability Income

Lifestyle Wage Protector (Off-the-Job)

  • Four Industry Class Codes
  • 13, 26, 52 and 104 Benefit Periods
  • 0/7, 7/7, 0/14,14/14, 0/30 and 30/30 elimination periods
  • Monthly Benefit¬† up to 60% of salary (Min $300; Max $6,500)
  • 12/12 pre-existing waiting period
  • Underwriting: Simplified Issue, Takeover with Pre-Ex Credit and Guaranteed issue
  • Spousal coverage

Group Term Life and AD&D

Brochure Coming Soon

Lifestyle Basic Group Life and AD&D

  • Employers and Associations
  • Up to $30,000 in Life and/or AD&D
  • Minimum group size 25 employees

Lifestyle Voluntary Group Life and AD&D

  • Coverage amounts from $10,000 to $300,000
  • Guarantee Issue amounts from $10,000 to $100,000
  • 50% coverage for spouse, $10,000 for children
  • 5 Year age bands
  • Dual Life Option with Individual Term to 100 plans

Group Accident

Lifestyle Secure Voluntary Group Accident

  • 24 hour and Off-the-Job
  • Four Individual Basic Plan options
  • Additional Benefit Rider
  • Enhanced AD&D Benefit Options