Group life & disability insurance

 

Tribal Group Life Insurance

 

A unique group life insurance offering for tribal members and shareholders.

The loss of a tribal member or shareholder is a time for grief, remembrance and respect. Traditional burial ceremonies are a way to honor the life of a valued friend or loved one while teaching future generations about the unique customs of your culture.

Symetra group life insurance can help provide financial support to tribal members and shareholders following the death of a loved one.

 

Because the needs of each tribe are different, every policy we write is exclusive to the membership guidelines set by the tribe, rancheria or pueblo. Our policy provides distinct features such as:


Coverage for all tribal members and shareholders; membership status is determined by the tribe.


Guaranteed issue coverage for all members and shareholders.


Naming the tribe as beneficiary.1


No required waiver of Sovereign Nation immunity.


No age reduction schedules.2


Supplemental coverage to increase individual coverage amounts.

Value-add programs

Tribal Member Assistance Program (TMAP) >

Provides unlimited access to general guidance consultants and online resources to help with life's challenges. Includes up to three telephonic counseling sessions each calendar year.
 

Beneficiary Companion Program >

Offers a helping hand after the loss of a loved one.

Travel Assistance Program >

Available 24 hours a day if a member or shareholder has an emergency while traveling 100 miles or more from home.

Identity Theft Protection Program >

Educates tribal members and shareholders on how to protect themselves from ID theft, and provides support in the event their identity is stolen.

 

Tribal life frequently asked questions

Who is eligible for life insurance?

All tribal members and shareholders are eligible for coverage. Eligibility for non-member and non-shareholder dependents is at the discretion of the tribe. The membership status defined by each federally recognized tribe, rancheria or pueblo will be reflected in the policy.

Who can be named as beneficiary?³

•  The tribal entity.¹

•  Any beneficiary named by the insured member or shareholder.

•  The tribal entity and a beneficiary named by the insured member (split primary).¹

Is supplemental coverage available?

Yes. Insureds can purchase additional coverage with a Symetra supplemental group life insurance policy. Supplemental life is offered at group rates that are lower than what members and shareholders would find if purchasing life insurance on their own.

 

Solutions for tribal-owned businesses

Symetra offers a suite of group life, disability and fixed-payment insurance benefits that can help round out your employee benefits package. You may choose to provide coverage as part of a compensation package, offer it on a voluntary basis, or both. Our flexible policy designs and consultative approach help ensure you get exactly the benefits you need at a price that fits your budget.

Learn more about Symetra's suite of group benefits

Next steps

Symetra offers a number of solutions to help you stay competitive in today's marketplace. To learn more, contact your benefits broker or consultant.

Group insurance policies are insured by Symetra Life Insurance Company, 777 108th Ave NE, Suite 1200, Bellevue, WA 98004. Group life insurance tribal member policy form number is LGC-10039 12/12 in most states. Not available in all U.S. states or any U.S. territory. Policies may be subject to exclusions, limitations, reductions and termination of benefit provisions. Our New York subsidiary insures products for New York policyholders.
Value-add programs are not available in all states.
TMAP is offered by ComPsych® through Symetra. ComPsych is not affiliated with any of the subsidiaries under Symetra Financial Corporation. ComPsych© 2017 ComPsych Corporation.
Travel Assistance, Identity Theft Protection and Beneficiary Companion programs are offered by Europ Assistance through Symetra Financial Corporation subsidiaries. Europ Assistance is not affiliated with any of the subsidiaries under Symetra Financial Corporation.
1Not available in Alaska, Louisiana or North Dakota.
2An age reduction schedule may be required at the discretion of underwriting.
3If 100% of the premium is paid by the policyholder, the policyholder may designate itself the sole beneficiary of member coverage