A crucial element to a sound employee benefits program and one that can also be part of a strategic enterprise risk management program. Spring consultants work with clients to optimize group life and accidental death & dismemberment (AD&D) plans to help protect employees against premature death.

Plan Design

  • Benchmarking
  • Competitive Bidding
  • Continuity of Coverage (wave of premium, continuation)
  • Balance of Basic Supplemental Term vs. Whole Life


  • Non-participating
  • Participating
  • Flex Funding