Coverage disappears when employees leave.
ERISA compliance and payroll integration create headaches.
Often too low to meet employee needs.
Typically just basic term or accidental death, with no cash value or retirement-friendly options.
Most carriers require 50–75% enrollment.
Our approach brings employees meaningful, long-term financial protection while removing cost, compliance, and administrative burden from HR. Every policy is individually owned, portable, and tailored to each employee, making this a true win-win benefit for both the company and its people.
Employees with life insurance are far more likely to feel financially secure, which
boosts performance, focus, and job satisfaction.
Employees choose whether or not to
enroll and how much coverage to get,
without being subject to a restrictive
“open enrollment” period.
Policies are employee-paid, with direct
carrier billing (no payroll integration). Our
agents will also provide all customer
service for your employees’ coverage.
Beyond term life, employees can explore permanent life insurance with cash value growth and other tax-advantaged
strategies for saving and retirement.
We offer guaranteed issue options for employees who may not qualify medically, ensuring everyone has access to
protection and peace of mind.
Strengthen your benefits package to
compete with larger employers while improving employee satisfaction, loyalty,
and retention rates.
Based on 50 reviews
We host a short educational workshop (live or recorded) to help your employees understand how portable, individually-owned life insurance works — and why it matters for their families. This is educational in nature, there is no sales pitch and no obligation to enroll.
Any employee who wants coverage meets with us privately. Policies are individually owned, underwritten per person, and premiums are paid directly from the employee’s account — no payroll involvement and no employer administration.
Each employee owns their policy for life. If they change jobs, retire, or relocate, their coverage goes with them — giving them true long-term protection without creating any ongoing responsibility for your company.
We onboard each employee individually & review their coverage periodically as life, family, or career evolves over time.
Educational workshops help employees understand life insurance & make informed decisions without pressure.
Gain access to a secure web portal with recordings of all workshops, making education is available to remote teams.
Employees can schedule one-on-one conversations anytime to ask questions, make policy updates, or get guidance.
Look beyond workplace benefits to evaluate protection for spouses, children & long-term family coverage needs.
A big-picture overview of financial protection, practical money habits, and why insurance is part of a healthy financial plan.
Topics we’ll cover:
• Simple budgeting habits to stop living paycheck to paycheck
• How to find extra money in your budget
• Smart financial practices we all wish we’d started earlier
• Where life insurance fits into a financial plan
• Adjusting coverage for life stages like marriage, kids, or a mortgage
Key takeaway:
Employees leave with practical financial habits and a clear sense of why protection is foundational to wellness.
A straightforward overview that complements your existing group benefits by showing how individual, portable coverage can add extra security.
Topics we’ll cover:
• The role of group coverage and why it’s a great start
• How portable coverage works alongside group life
• Key differences between term, whole life, and cash value
• Common myths that cause confusion
• Riders explained in plain English
Key takeaway:
Employees gain confidence about how life insurance works and how portable options can complement what they already have at work.
How to build a protection plan that covers spouses, children, and the full financial picture of your family.
Topics we’ll cover:
• Why protecting only the employee isn’t enough
• Options for spousal coverage
• Affordable children’s coverage that builds cash value
• Sizing coverage by income, debt, and future needs
• Blending coverage with health insurance, 401(k), and savings
Key takeaway:
Employees leave empowered to build a family-first protection plan, not just individual coverage.
A hands-on session where employees can bring their own policies and learn how to review them with confidence.
Topics we’ll cover:
• How to read key sections (coverage, riders, exclusions, cash value)
• Common gaps in old or employer-provided coverage
• When to adjust policies to fit changing life stages
• Live Q&A and optional one-on-one reviews
Key takeaway:
Employees gain clarity and confidence about their current coverage and how to keep it up to date.
An introduction to the long-term wealth-building potential of permanent life insurance.
Topics we’ll cover:
• Basics of cash value growth
• How to structure policies to build tax-free assets
• Using policies to supplement retirement income
• Lesser-known tax advantages
Key takeaway:
Employees see life insurance as more than a death benefit — it can also be a financial asset.
An introduction to the long-term wealth-building potential of permanent life insurance.
Topics we’ll cover:
• Basics of cash value growth
• How to structure policies to build tax-free assets
• Using policies to supplement retirement income
• Lesser-known tax advantages
Key takeaway:
Employees see life insurance as more than a death benefit — it can also be a financial asset.
Click below to schedule some time to explore how PortivaLife might fit into your company’s benefits strategy.
💻 PortivaLife Appointments
No. PortivaLife policies are individually-owned. Each employee applies for and owns their own coverage, and the policy is issued directly to them. Because it is not employer-sponsored and not paid through payroll, it does not function like a traditional group benefit.
No. Since the employer does not pay for the coverage, does not administer it, and does not control enrollment, the program is considered a voluntary, employee-owned benefit. PortivaLife is specifically designed to avoid ERISA and administrative burden for your organization.
No. PortivaLife premiums are paid directly between the employee and the carrier. There is no payroll integration, no accounting impact, and no ongoing employer involvement.
A PortivaLife policy is theirs — it stays in force with no changes. Because it is not tied to employment, they keep their coverage when changing jobs, retiring, or relocating.
PortivaLife works well for small and mid-sized companies that want to offer stronger protection and financial-wellness support to their teams — especially in roles where retention, family security, and stability matter.
No — it complements it. Many employees choose to keep their group life coverage and add PortivaLife to fill gaps and ensure they aren’t left unprotected when they leave an employer.