Who We Serve
HR / Benefits Teams
Elevate Your Benefits Package with Carve-Out Life Insurance
Attracting and retaining top highly compensated employees requires more than a standard benefits package.
D&E provides administration from implementation to ongoing plan support, ensuring no additional work for you, while your employees receive superior life insurance coverage.
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No additional work for you
D&E does all administrative work.
Dedicated Account Manager with back up support
Provides support for new hires, terminations, and annual salary increases.
Living Benefits for Chronic Illness
The ExtendCare Rider (EUL only) accelerates the death benefit for the
loss of two Activities of Daily Living or Severe Cognitive Impairment.
Pricing
Depending upon demographics, EUL pricing is generally 18% – 25%
lower and E10 pricing is generally 10% – 30% lower than other carve-out
competitors.
Strengthens Compensation Packages
A competitive edge in attracting and retaining top talent.
Higher Death Benefit Limits
Up to $5M+ per employee (far exceeding traditional group life insurance).
No Automatic Benefit Reductions with Age, unlike group life insurance
Coverage can be maintained to age 121 (EUL only); insurer cannot terminate coverage unless premium is not paid.
Client Success Story
Testimonial from Global HR Director.
“We’ve been working with D&E for nearly 20 years. They perform all the administration work, exactly as they claim to. Each employee navigated the online enrollment process easily and efficiently; and the electronic policy delivery was flawless. That is why we’ve continued our work with the D&E team for so long.”
What is the significance?
Pricing
“Our aggregate premium was reduced by 27% per year. It was impossible to overlook that.”
Coverage Type
“We were adamant that our employees would receive individual policies so that coverage couldn’t be terminated nor policy provisions modified.”
Portability (Unfettered)
“Our requirement was that the individual policies would be portable without any negative impact to the base program.”
Flexibility
“Because of the nature of our needs, D&E was able to deliver two separate policies, with separate death benefits, without any additional administrative tasks.”
Is this HR Director saying D&E is the best administrator? You decide.
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Make Your Benefits Stand Out
We’ll work with your current insurance advisor to show you a custom assessment of how EUL/E10 and ECR can fit into your benefits strategy.
