Kansas City Life Voluntary Life, STD, and LTD
No employer contribution is required for Voluntary plans. A minimum of 10 lives – or 25 percent for Voluntary plans, whichever is greater – must participate in the plan. If groups are electing Voluntary Life coverage, 10 lives or 20 percent, whichever is greater, must participate.
Voluntary Life
Our Voluntary Life product offers choice, security and comfort to employees.
With our Voluntary Life product, you have the ability to structure benefit options around your clients’ needs. We offer guaranteed coverage up to $100,000 for employees under age 70 and coverage for spouses and children. Add our built-in Accelerated Death Benefit and Waiver of Premium, and you’ll be offering employers a valuable benefit.
In addition, you may choose to add any of the Accidental Death and Dismemberment options:
- Seatbelt/Airbag
- Repatriation
- Child Education
- Spouse Education
- Day Care
- Common Disaster
We also offer conversion and portability options.
Voluntary STD
Offer your clients a quality Voluntary STD product.
Many employers are unable to afford the cost of disability insurance, but you know that the product is necessary. By offering a voluntary product, employees have the option of enrolling in a quality plan at reasonable rates.
With plan design flexibility, we are able to develop a plan that best fits your clients' needs.
Voluntary Long Term Disability
Offer your clients a quality voluntary LTD product.
Employees need the security of knowing if they encounter a long term disability, a portion of their income will be insured. Our Voluntary LTD product has a flexible design to fit your clients' needs and we offer it at reasonable rates with two-year rate guarantees.
Put their minds at ease.
Products may not be available in all states.
Voluntary Products 
