Buy-Up Life Insurance

Diversified Employee Benefit Services connects businesses with supplemental buy-up life insurance options for maximum protection.

Discuss Your Wishlist

Explore the Safeguard of Additional Term Life Insurance

Support your employees in securing their and their dependents’ future with additional term life insurance. By teaming up with Diversified Employee Benefit Services, your workforce can contribute extra premiums to enhance their death benefit amount.

As your employees contribute more premiums, under this voluntary additional life insurance model, they have the chance to increase their death benefit for themselves and their dependents. Unlike traditional group life insurance, such as a basic plan, additional term life insurance plans are entirely voluntary.

Embrace Customization and Flexibility
DEBS is dedicated to delivering exceptional service. In line with this, our additional term insurance solutions offer enhanced customization, allowing employees to increase their employer-sponsored term insurance. The ability for employees to contribute more and enhance their death benefit makes additional term life insurance adaptable to life’s changes.
Stay Competitive and Increase Retention
Offering buy-up insurance options enhances your benefits package, making your company more attractive to top talent and increasing employee loyalty.
Find Affordability
Voluntary buy-up life policies are budget-friendly and provide the flexibility for employees to choose coverage that suits their needs. This adaptability is often seen as ideal by many.

How We Support Your Business

DEBS Delivers Quality Buy-Up Benefit Life Insurance

At DEBS, we recognize the diversity of your workforce. Buy-up life insurance options cater to employees at different life stages, from recent graduates to seasoned professionals. Whether someone is starting a family, sending children to college, or planning for retirement, our customizable plans provide the flexibility to adapt to changing circumstances.

Our customer service team provides personalized support to help you understand plan options and make informed choices. We assist with enrollment, answer questions, and ensure smooth plan administration. With decades of experience, we have earned the trust of thousands of businesses by delivering tailored solutions to meet their needs.

Choose the Leader in Employee Benefits

At DEBS, innovation is in our DNA—we embrace it to stay ahead in a rapidly evolving industry. As a partner of the top insurance carriers, we’re more than qualified to present cost-effective coverage options that work. Connect with us today and start saving.

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The DEBS Difference

Whether you need life insurance, medical, dental, vision, or disability group benefits, Diversified Employee Benefit Services helps clients discover cost-effective alternatives for employees and their families in a simple process:

Our Four-Step Approach

Benefit Planning – We simplify the complex task of planning your organization’s benefits.
Implementation – After selecting the best benefits program for your organization, our team gets to work enrolling your employees in the plan tailored for your company.
Plan Management – Once we’ve implemented your plan, we begin servicing your account and handling the complexities of company benefits.
Renewal – We streamline the renewal process and keep costs in check by overseeing your deductible and monitoring claims.

Our commitment to service excellence is unmatched—and our clients know it, too. Read some of our greatest success stories and learn how Diversified Employee Benefit Services has transformed countless businesses.

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Have More Questions?

Buy-Up Life Insurance FAQs

Can employees change their buy-up life insurance coverage over time?

Yes, employees can adjust their buy-up life insurance coverage during specific enrollment periods or in response to qualifying life events. Our consultants can guide employees through the process of modifying their coverage as needed.

How are premiums for buy-up life insurance determined?

Premiums for buy-up life insurance are typically based on factors such as age, health, and the amount of additional coverage selected. DEBS Insurance provides competitive rates and offers insights into tax advantages associated with specific plans.

How can employers communicate information about buy-up life insurance options to their workforce?

DEBS Insurance helps employers communicate information about buy-up life insurance through various channels. We provide educational materials, conduct informational sessions, and offer other resources like handbook updates to make sure employees are well-informed about their options and the benefits of supplemental coverage.

Find Superior Life Insurance Coverage

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Buy-Up Life Insurance

Explore the Safeguard of Additional Term Life Insurance

Embrace Customization and Flexibility

Stay Competitive and Increase Retention

Find Affordability

DEBS Delivers Quality Buy-Up Benefit Life Insurance

Choose the Leader in Employee Benefits

The DEBS Difference

Our Four-Step Approach

Buy-Up Life Insurance FAQs

Find Superior Life Insurance Coverage

Contact Us

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What We Do

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