Life and Accidental Death & Dismemberment (AD&D) Insurance

The loss of income may create an immediate financial hardship and lifestyle changes for your customers' loved ones. Life insurance provides basic protection and helps assure that families can maintain financial security and meet financial obligations after a tragic loss.

While many U.S. households have life insurance, the average amount of coverage can often be inadequate to meet family needs or pay off debt. Taking advantage of life insurance coverage can be an important part of your clients' financial security.

Life insurance can help your customers:

  • Protect the family: Life insurance can help replace income when a family needs it most.
  • Protect the home: For most families, their home is their largest asset. Life insurance can enable the family to remain in the home, pay the mortgage and avoid the trauma of relocation.
  • Protect children's educations: Covering the soaring cost of education becomes even more difficult when there is a loss of income.
  • Settle expenses: Life insurance can also help cover financial expenses, such as medical bills and funeral costs, as well as unplanned expenses and unforeseen financial crises.

Beneficiary support services are available with all our life insurance products. Beneficiaries of life insurance proceeds face a unique set of financial, legal and emotional issues. This service is designed to help them cope with the period of transition following a death claim.

Voya™ Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya™ family of companies. Product availability and specific provisions may vary by state. Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.