Most employers provide some form of life and disability insurance to cover their employees. Benefits are relatively inexpensive to obtain at group rates available to the employer and are usually based on the employee's salary.

Group life insurance is generally tax-free to the employee to up to specified amounts; special Internal Revenue Service tables apply if the amount is greater. Typically, the employer provides a benefit of one or two times annual salary and pays the full cost of insurance premiums. The accidental death benefit is an additional payment that the employee's beneficiary will receive if the employee dies accidentally; this type of provision is common in insurance policies and is also referred to as double indemnity or AD&D.

Three Rivers Financial Services represents the following in Life Insurance and AD&D.

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