Employers Group Trust (EGT) is our proprietary life & disability product. EGT offers any combination of Life, AD&D, Short Term Disability and Long Term Disability benefits for groups of two or more employees. All benefits can be written as standalone lines or in conjunction with other coverage.

Large Employer Benefits for Small Business Clients

Plan Highlights

Review the EGT Sales Guide for a complete overview.

Life and AD&D

  • Guarantee Issue starting at 2 lives
  • 3-year rate guarantee on Life
  • Accelerated death benefit at 75%
  • Conversion option

Short-Term Disability

  • Zero day residual
  • Non-medically underwritten
  • Up to $1,250 weekly maximum
  • Own Occupation definition
  • 2-year rate guarantee

Long-Term Disability

  • Non-medically underwritten
  • Extended Own Occupation available
  • Up to $10,000 monthly maximum
  • EAP, Bonus Up and W-2 Earnings definition
  • 3-year rate guarantee

Underwritten & Insured by The Lincoln National Life Insurance Company

  • AA (Very Strong) rating for insurer financial strength by Standard & Poor's
  • A+ (Superior) rating for financial strength and operating performance by A.M. Best Company
  • A+ (Strong) rating for financial strength by Fitch Ratings, Inc.

Employers Group Trust Documents


Additional Life & Disability Carrier Partners
Carrier Information, Websites & more.