Employers purchase group insurance products and services to protect and enhance their employees lives and to compete for labor. The employer group pays premiums to help protect employees from high or unexpected expenses. Generally, employers contribute toward the cost of the monthly premiums as part of an employee’s overall compensation.

Group Health Insurance
The most expensive component of an employers group benefits package and it is purchased to protect employees from the high cost of healthcare services and designed to attract and retain labor. There are many forms of group health insurance with varying degrees of consumer responsibility, choice and overall cost.

Group Dental Insurance
Designed to pay the costs associated with dental care. Dental insurance pays a portion of the bills from dentists, and other providers of dental services. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses. Employers may offer a contributory or voluntary group dental plan to employees as part of the total employee benefits package.

Group Life Insurance
Is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise and many employers offer a group term life policy to employees that may be convertible or portable if the employees leaves the organization.

Group Disability Insurance
Often called disability income insurance, is a form of insurance that insures the beneficiary's earned income against the risk that disability will make working (and therefore earning) impossible. In other words, it answers the question, "How would an employee pay for living expenses if they were unable to work?" Employers offer this product to employees as part of the total employee benefits package and it may be offered as a contributory or voluntary product.