Norvest offers voluntary group Term Life insurance and Accidental Death and Dismemberment insurance protection on behalf of public sector employers and associations. All life programs are custom designed to provide a level of protection specific to the group. Depending on the demographics particular to the group, participation is offered with no medical questions asked during open enrollment periods. Participants in these voluntary life programs have the opportunity to choose a level of protection for themselves and their families.
The addition of the optional Accidental Death and Dismemberment insurance rider provides an even higher level of protection whereby the face value of the life insurance policy is doubled in the event of an accidental death. The AD&D rider is very popular for those with young families as a cost effective strategy to provide maximum financial protection at the fraction of the cost.