With DeltaLife®, you can offer group life and disability insurance to support employees' financial well-being while keeping benefits simple, affordable and manageable.
Group life insurance helps your employees take care of the people and priorities that matter most.
It can provide financial support to beneficiaries after an employee’s death, helping cover immediate expenses like funeral costs as well as longer-term needs such as lost income, outstanding debts, and ongoing living expenses. For many families, it becomes an important source of financial stability during a difficult transition.
From employer-paid basic coverage to voluntary options for spouses, domestic partners and eligible children, our group term life plans provide financial support that can help loved ones navigate life's most difficult moments.
For many employees, the life insurance they receive through work is the only coverage they have. Yet nearly 4 in 10 employers don't offer this valuable benefit.1
DeltaLife makes it easy to provide meaningful protection that supports employees' financial well-being while helping your business attract and retain talent.
Accidental death and dismemberment coverage is designed to work alongside your group life and disability policies, not to replace them.
It provides an added layer of financial protection for employees and their loved ones if a covered accident results in a loss of life or a qualifying serious injury.
In most cases, DeltaLife AD&D policies can be offered with or without basic group life or voluntary life insurance coverage.
Your Employees Value Group Life Insurance
More than half of working Americans say a life insurance benefit is very or extremely important to them or their families
Approximately two-thirds of Americans rely on their employee benefits plan to meet their life insurance needs
More than 4 in 10 households that only have workplace life insurance coverage say their families would struggle financially in less than 6 months if a wage earner died unexpectedly
Life insurance provides more financial confidence. Workers with life insurance coverage are more likely than uninsured workers to feel financially secure (62% versus 47%)
Source: 2024 Facts About Life - Workplace Benefits, LIMRA
Life happens. Illness, injury, recovery, and planned medical events can all take employees away from work for a period of time.
When that happens, group disability insurance helps provide income support so employees can keep up with essential expenses like housing, utilities, and day-to-day living costs. This support gives them space to focus on recovery and return to work without added financial strain. It’s designed to help employees maintain financial confidence while they navigate time away from work.
Short-term disability benefits replace a percentage of an employee's income when they're unable to work for a few weeks or months due to an injury, illness, medical procedure or even pregnancy. Offering short term disability coverage to your team can reduce financial stress, support recovery and strengthen loyalty.
Because every business is different, DeltaLife disability plans are designed with flexibility in mind. That means more choice for employers, more options for employees and coverage that fits real needs and real budgets.
Long-term disability provides income support if a serious illness or injury prevents an employee from working for an extended period, whether job-related or not. These benefits typically replace a portion of pre-disability earnings and can continue for several years—or even until retirement age—depending on the policy.
DeltaLife long-term disability plans go beyond income replacement to support recovery and a safe return to work. Features like work incentive benefits, childcare credits, and worksite modification reimbursements help remove barriers during recovery and ease the transition back to work.
Your Employees Will Need Group Disability Insurance
Approximately 1 in 4 of today’s 20-year-olds will become disabled before reaching retirement age
Experts estimate that up to 90% of long-term disabilities are caused by illnesses such as cancer, heart disease, lupus, arthritis and multiple sclerosis.
Approximately 7 in 10 workers rely on their employee benefits plan to meet their disability insurance needs
Nearly three quarters of Americans without disability coverage say they would need to raid their personal savings or retirement funds to meet daily expenses if a disability affected their income
Sources: Disability Insurance Awareness Month: Protecting Your Paycheck and Your Future, LIMRA. Integrated Benefits Institute, 2018 Health and Productivity Benchmarking, Long-Term Disability.
These days, businesses are used to doing more with less. Less time. Less budget. Fewer resources.
But that doesn't mean offering less when your employees deserve more.
Group life and disability insurance is a simple way to support your team and show you care. It provides valuable financial protection for employees—all at a cost that works for your business.
DeltaLife plans are available when bundled with group dental plans from Delta Dental of Arizona. That means one local point of contact, one eligibility and enrollment file, and one combined bill—making it easier to manage your company’s benefits.
Better Benefits, Zero Hassle
We believe benefits should work for everyone. They shouldn't create work for busy business owners or HR leaders. That's why we offer:
Flexible coverage to fit different businesses and budgets
Clear, easy-to-explain plan options
Ready-to-use employee education materials
Streamlined administration and account management
Keep It Simple and Reap the Rewards
Bundling DeltaLife coverage with our group dental plans creates a stronger benefits package without added complexity. It'll help you:
Compete for top talent
Support employee financial well-being
Improve retention and engagement
Show employees you’re invested in their long-term security
If you’ve ever thought, “I’m not sure my team really needs this,” you’re not alone. Many people start there. The goal is just to help you understand what’s available so you can offer a meaningful benefits package to your employees. To start the conversation, fill out our quote request form and tell us a little about your company. There's no commitment and no obligation to buy. Just information!
Frequently Asked Questions
DeltaLife is a portfolio of life, disability and—coming soon—supplemental health products that are affordable and flexible to help employees during difficult times. They are offered through our partnership with Reliance Matrix.2
DeltaLife products are available to most Arizona businesses and organizations with 2-99 covered lives. DeltaLife plans are available when bundled with group dental plans from Delta Dental of Arizona. Contact your broker or request a quote to learn more.
Note: Underwriting exclusions may prevent us from offering coverage to specific groups and industries.
If you're the owner or benefits adminstrator of an Arizona-based business, contact your broker or request a quote to learn more about our portfolio of life and disability insurance plans. We'd love to help you determine which DeltaLife products are best for your business!
If you signed up for a DeltaLife life or disability plan through work, you'll need to reach out to your HR or benefits administrator for your specific plan details and other coverage information.
DeltaWellness by Delta Dental is a brand used to describe a suite of health and wellness products, including dental, vision, life, disability and supplemental health insurance. The brand is also used when describing some non-dental products available from Delta Dental of Arizona, like DeltaVision and DeltaLife.
1Employee Benefits in the United States, U.S. Bureau of Labor Statistics, March 2022.
2Reliance Matrix is a branding name for the underwriting companies Reliance Standard Life Insurance Company, First Reliance Standard Life Insurance Company and for the third-party administrator (TPA) Matrix Absence Management, Inc. Coverage is underwritten by Reliance Standard Life Insurance Company and provided through policy form series [Group Life (basic and supplemental) LRS-6422, et. al. (policy) and LRS-6423, et. al. (cert) LRS-6441, et. al (booklet cert); Voluntary Group Life trust issued - LRS-8349, et. al. (policy) and LRS-8350, et. al. (cert), in state issued – LRS-9419, et. al. (policy) and LRS-9420, et. al. (cert), PA issued – LRS-8800, et. al. (policy) and LRS-8799, et. al. (cert); AD&D/VAR – LRS-8604, et.al. (policy); LRS-8605, et.al & 8631, et.al. (certs); insured LTD and VPL - LRS-6564, et.al (policy), LRS-6570, et.al (cert); insured STD and VPS: LRS-6451 (policy), LRS-6510 (cert)]. Product features and availability may vary by state.
DeltaLife, Delta Dental, DeltaVision and DeltaWellness are trademarks of the Delta Dental Plans Association. DeltaLife and DeltaWellness appear under license from DeltaWellness Inc.
DeltaLife products are distributed by Delta Dental of Arizona and are issued and underwritten by Reliance Standard Life Insurance Company in all states (except New York), the District of Columbia, Puerto Rico, U.S. Virgin Islands and Guam. In New York, any such products are underwritten and insured by First Reliance Standard Life Insurance Company. Information contained herein is subject to the group insurance policy provisions and the company’s underwriting guidelines and may be subject to change.
