Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Feb 22, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Company Details
Address: 1700 Market Street, Suite 1200
City: Philadelphia
State: Pennsylvania
ZIP Code: 19103
Phone Number: (800)-351-7500
Year Founded: 1906
AM Best Rating: A++
Company Rating 0 (0 reviews)

Reliance Standard life insurance is not sold directly to consumers in the traditional way most other major companies sell their life insurance. Reliance Standard handles life insurance policies for businesses and organizations, and sells group policies for employee benefit packages.

Despite the fact that consumers cannot directly buy Reliance Standard life insurance on the open market, this review will tell you about Reliance life insurance products and other important insurance information you should know.

We’ll help you understand what group life insurance is and if it will be enough coverage to meet your needs. Remember, the best life insurance companies deliver superb customer service, a top-notch product, and pay their benefits in a timely manner.

Even though consumers cannot directly buy Reliance Standard life insurance, you may be able to buy additional coverage through your employer. Reliance Standard operates in all of the states, with the exception of New York.

Let’s take a closer look at Reliance Standard. Ready to compare life insurance rates with the competition? Enter your ZIP code above to compare affordable life insurance rates in your area.

What life insurance products does Reliance Standard offer?

Reliance Standard sells group life insurance policies to businesses and organizations to offer benefits to their employees. Employees can also purchase voluntary group life insurance through their employer if they want to get additional coverage.

Reliance Standard also offers its customers other insurance policies that may be beneficial to employees, such as:

  • short-term disability
  • long-term disability
  • vision insurance
  • dental insurance
  • business travel accident insurance

If you’re looking for a comprehensive benefits package to offer your employees, Reliance Standard offers a great suite of insurance products to offer. Compare Reliance Standard to your current benefits package and see if you can find a better deal elsewhere.

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What is group life insurance?

You’re probably familiar with terms like term life insurance and whole life insurance, but maybe you have never heard of group life insurance. What is it? Group life insurance works very much like standard life insurance policies.

Group life insurance is almost always a term life insurance policy that is written as a whole for a group of people instead of just for a single person. Companies and organizations are able to get cheaper life insurance rates by buying large group policies versus individual policies.

The Pros and Cons of Group Life Insurance
ProsCons
Offers protection at little to no costLimited payout
No medical questions or medical examLinked to your employer, so you lose coverage if you change jobs
It’s better than not having any coverageYou likely still need an individual policy
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Group policies are given out to everyone as a benefit of employment, and in many cases, they can be the only way some elderly people can get great life insurance coverage.

You won’t need to take a medical exam to get group life insurance, and in almost all cases, you won’t have to pay for this life insurance coverage either.

Is Reliance Standard group life insurance enough coverage?

If you’re receiving life insurance from Reliance Standard through your employer, you may be wondering if you have enough life insurance coverage. This is an important thing to consider, and the answer depends largely on your unique circumstances.

If you’re single and young with no dependents, you likely will have more than enough coverage through your Reliance Standard group life insurance policy.

Likewise, if you are older and are struggling to find affordable life insurance, your group life insurance policy is probably more than enough for you.

However, if you have a family or dependents or you just want more life insurance coverage, you do have options. You can always go on the open market and buy a life insurance policy for yourself in addition to your Reliance Standard life insurance policy.

Reliance Standard also offers voluntary group life insurance coverage.

This is additional life insurance for people looking for a little bit more coverage. Maybe you want to cover your children or your spouse, or maybe you just want to cover yourself more fully in the event of your untimely passing.

Voluntary group life insurance from Reliance Standard is sold through your employer and can be set up to deduct directly from your paycheck, so you won’t have to worry about making premium payments.

Plus, it is still bought through the group, so you can get great life insurance rates on voluntary coverage.

Will I lose my Reliance Standard group life insurance coverage if I lose or leave my job?

In most cases, yes, you would lose your life insurance coverage. This can be one of the major downsides to group life insurance. This insurance is tied to your employment.

Reliance Standard allows you to port or move your life insurance policy in the event you lose or leave your job. This gives you a small grace period to keep your life insurance policy active and move it somewhere else.

You don’t have to feel stuck in one place because of the benefits you receive. Reliance Standard gives people the power to take control of their lives and their life insurance policies.

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What are Reliance Standard’s financial strength ratings?

You might be thinking this aspect of the company matters little to you and your employees, but financial strength is one of the most important aspects of an insurance company.

Companies with poor financial strength might not be able to pay their benefits out in a timely manner, which essentially makes them useless to consumers. A.M. Best performs independent reviews of financial strength.

Reliance Standard received the highest possible financial strength rating from A.M. Best, an A++. This means the company has a superior credit and financial strength rating.

Reliance Standard Life Insurance: The Bottom Line

If you’re looking to get group life insurance for your organization or business, Reliance Standard offers comprehensive employee benefit insurance programs that include a lot more than just simple group life insurance.

Reliance Standard has strong financial ratings and allows employees to purchase additional coverages to meet all of their life insurance needs.

Ready to compare cheap Reliance Standard life insurance quotes? Enter your ZIP code below to see affordable life insurance quotes from the top companies in your area.