Affordable Group Term Life Insurance

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Insurance is Protection Against Financial Loss

You deserve to get the health insurance you need without a lot of hassle

Alvin Lynn offers Group Term Insurance

Most Americans cannot afford a $400 emergency.  Unfortunately, too many families are one emergency away from financial loss.

No one insurance plan covers 100% of all costs incurred.  With worksite benefits to cover extra unexpected expenses, you have a better chance of maintaining your standard of living.

At no direct cost to you, as the employer you can make sure your employees stay afloat recovering -- they will thank you for it.

We offer security without stress through Worksite Benefits (also known as Voluntary Benefits or Supplemental Benefits).  Alvin Lynn has what you're looking for.

We offer:
 Affordable insurance plans
 Customized solutions for employees and their families
 Professional and courteous customer service

Schedule an appointment with Alvin Lynn to learn more.

Testimonials

See what people are saying about Alvin Lynn.

Testimonial for Alvin Lynn

Katina J.
Alvin takes the time to carefully educate you on everything so you will make the right decision.
​​Thanks Alvin.


William B.
I feel really good about my policy with Alvin. I'm glad I had the opportunity to meet Alvin because he cares about his clients.



Michelle M.
Alvin helped my husband and I get into a great insurance. We really appreciated his professionalism and concern for our family needs.

Contact us today to make an appointment.

CONTACT US TODAY

Group Term Life Insurance


Offering life insurance through a worksite plan is a great way to help employees avoid the hassle and confusion of finding protection on their own and to help them be prepared for the unexpected. 

The most common reasons people cite for why they haven't purchased life insurance is that they believe it's too expensive and having other financial priorities.  53% said they didn't know what to purchase or how much coverage they'd need. However, a quarter of people believe they would feel the financial impact in less than one month if there was a loss of the main wage earner.*
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*Facts from LIMRA Insurance News Release, April 12, 2021.  https://www.limra.com/en/newsroom/news-releases/2021/2021-insurance-barometer-study-reveals-common-misconceptions-that-prevent-americans-from-getting-life-insurance-they-know-they-need/

Benefits for Employers


Group Term Life insurance gives employers the flexibility to offer plans at no cost to the company, plans at no cost to the employee, or supplementary or voluntary plans that allow the employees to purchase as much coverage as they would like at affordable group rates.


Group Term Life:
Competitive Rates
Plans are available for small groups down to 2 lives
Ease of plan administration
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​​​​​​​Find out how you can offer your employees valuable coverage that could help secure the financial future of their loved ones.​​​​​​​

Benefits for Employees

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2 in 10 households prefer to buy life insurance through the workplace because it's easy and convenient, the rates are affordable, and provides flexible protection.

Insurance is Protection Against Financial Loss
​​​​​​​Call Us to Get Your Questions Answered

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Myths About Group Term Life Insurance

Myth: I don’t need Group Term Life Insurance because I'm young, single and have no dependents.
Fact: This is one of the biggest myths about life insurance.  In reality, there are many benefits to buying life insurance while you are young and healthy like it is usually cheaper to buy when you're young.  So the sooner you buy a policy, the more coverage you may be able to afford. 

Myth: If I change or lose my job, I will lose my Group Term Life Insurance coverage.
Fact: Actually, look at the portability provision.  If a covered employee loses employment with the employer or changes jobs, the covered employee has the option to continue coverage and pay premiums directly to the carrier at the same group reates via automatic bank draft.

Myth: I don’t earn enough money to need Group Term Life Insurance.
Fact: It is a myth that you only need life insurance if you are wealthy.  Life insurance is especially crucial for those with less to leave their heirs.  The purpose of having life insurance is to protect those who depend on you physically or financially after your death.  If your spouse, children or other family members rely financially on you and if you unexpectedly pass away, it is essential that you had purchased coverage before this happens.  You cannot afford not to have life insurance.
Alvin Lynn can answer Group Term questions

Who We Are

Alvin Lynn has been providing insurance since 2013.

Alvin Lynn
I founded the Alvin Lynn brand to help ensure people get easy to understand and affordable Worksite Benefits.  We’re committed to providing insurance solutions that are simple and fit your lifestyle.
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We are a veteran owned business.  I am a retired Army 1st Sergeant (1SG).  
I have lived my life and believe in "serving".  I served my country and to this day, I continue to serve my community and clients providing the best service and products available. 
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BOOK AN APPOINTMENT

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Frequently Asked Questions
What is Group Term Life Insurance?
Group Term Life insurance is term life Insurance offered to all members of a group.  The group is usually employees of a particular company, but could also be members of other groups like an association.  It is often an employee benefit provided for free by the employer with an option for additional coverage to be purchased by the employee.   Often the plan also may offer employees the option to buy coverage for their spouse and children.
Why Do You Need Group Term Life Insurance?
The main benefit of Group Term Life Insurance is that often the premiums are free or inexpensive for the employees.  Generally a base amount is covered as an employee benefit with an option to purchase more coverage.  Group Term Life Insurance pays out a deathbenefit to your designated beneficiary if you pass away while the policy is in effect.
What Does Group Term Life Insurance Cover?
Group Term Life Insurance covers the employee if he/she passes away while the policy is in effect.   There are also other family dependent coverages as options.
How do I know how much Group Term Life Insurance to buy?
Everyone has different life insurance needs.  Consider how much it would cost for your loved ones to maintain their current lifestyle without your income.  Consider costs like your mortgage, school tuition and other debts.  Then speak with our trained professionals to help you determine the best amount of coverage for your situation and budget.
How Much Does Group Term Life Insurance Cost?
Typically most employer-provided Group Term Life Insurance is no cost or low cost for the employee, making it an affordable option if it's available through your workplace.  We offer a wide range of plans that are suitable for virtually any budget.
Address
25882 Orchard Lake Rd
Suite 110-5
Farmington Hills, MI 48336
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Email

LynnAlvin256@gmail.com

Phone
(248) 482-8160


Hours by
Appointment Only
No Walkins Please
Monday           8:30AM-5PM
Tuesday           8:30AM-5PM
Wednesday     8:30AM-5PM
Thursday         8:30AM-5PM
Friday               8:30AM-5PM
Saturday                   Closed 
Sunday                       Closed