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Life and AD&D Insurance

The Fringe Benefits Consortium (FBC) offers district paid basic life and AD&D insurance through The Hartford. Due to the large volume of life insurance coverage we have placed with The Hartford, we are able to obtain a very low rate available to FBC member school districts.

The FBC also offers a pooled voluntary life and a voluntary AD&D plan through The Hartford for employees to purchase additional coverage for themselves and dependents. At initial enrollment and for new hires there is a guarantee issue of $150,000 for the employee and $50,000 for the spouse. There is no medical underwriting for child(ren) coverage. The rates for both of these plans are extremely competitive.

The FBC offers a full range of consulting services for Life and/or AD&D benefits and can work with most life insurance carriers.

For more information including rates, please contact Brian Vivian at 858-571-7211.