{"id":1599,"date":"2023-03-26T00:55:04","date_gmt":"2023-03-26T00:55:04","guid":{"rendered":"https:\/\/worldscholarshipforum.com\/insurance\/?p=1599"},"modified":"2023-03-26T00:55:07","modified_gmt":"2023-03-26T00:55:07","slug":"what-is-voluntary-life-insurance","status":"publish","type":"post","link":"https:\/\/kiiky.com\/insurance\/what-is-voluntary-life-insurance\/","title":{"rendered":"What Is Voluntary Life Insurance?","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-1024x576.jpg\" alt=\"what is voluntary life insurance\" class=\"wp-image-1606\" srcset=\"https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-1024x576.jpg 1024w, https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-300x169.jpg 300w, https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-768x432.jpg 768w, https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-380x214.jpg 380w, https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-800x450.jpg 800w, https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-1160x653.jpg 1160w, https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>Any individual who wishes to obtain medical insurance but does not have adequate money may take advantage of voluntary life insurance. It is an optional benefit offered by the employer to the employees. With the employer standing in the gap, such insurance costs are reduced. You may want to know how this can happen.\u00a0<\/p>\n\n\n\n<p>This article contains everything about voluntary life insurance and why you should not let the offer pass you. Enjoy a great read.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2 id=\"table-of-contents\"><strong>Table of contents<\/strong><\/h2><ul><li><a href=\"#h-what-is-voluntary-life-insurance\" data-level=\"2\">What Is Voluntary Life Insurance?<\/a><\/li><li><a href=\"#how-does-voluntary-life-insurance-work\" data-level=\"2\">How Does Voluntary Life Insurance Work?<\/a><\/li><li><a href=\"#options-offered-by-voluntary-life-insurance\" data-level=\"2\">Options offered by Voluntary Life Insurance<\/a><\/li><li><a href=\"#types-of-voluntary-life-insurance\" data-level=\"2\">Types Of Voluntary Life Insurance<\/a><ul><li><a href=\"#1-voluntary-term-life-insurance\" data-level=\"3\">1. Voluntary Term Life Insurance<\/a><\/li><li><a href=\"#2-voluntary-whole-life-insurance\" data-level=\"3\">2. Voluntary Whole Life Insurance<\/a><\/li><\/ul><\/li><li><a href=\"#who-needs-voluntary-life-insurance\" data-level=\"2\">Who Needs Voluntary Life Insurance?<\/a><\/li><li><a href=\"#how-to-obtain-voluntary-life-insurance\" data-level=\"2\">How To Obtain Voluntary Life Insurance<\/a><\/li><li><a href=\"#what-makes-up-a-life-insurance\" data-level=\"2\">What Makes Up A Life Insurance<\/a><ul><li><a href=\"#1-death-benefit\" data-level=\"3\">1. Death benefit<\/a><\/li><li><a href=\"#2-premiums\" data-level=\"3\">2. Premiums<\/a><\/li><li><a href=\"#3-cash-value\" data-level=\"3\">3. Cash value<\/a><\/li><\/ul><\/li><li><a href=\"#faqs-on-voluntary-life-insurance\" data-level=\"2\">FAQs<\/a><\/li><li><a href=\"#conclusion\" data-level=\"2\">Conclusion\u00a0<\/a><\/li><li><a href=\"#references\" data-level=\"2\">References<\/a><\/li><li><a href=\"#we-also-recommend\" data-level=\"2\">We Also Recommend<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-voluntary-life-insurance\"><span id=\"what-is-voluntary-life-insurance\">What Is Voluntary Life Insurance?<\/span><\/h2>\n\n\n\n<p>Voluntary life insurance is employee benefits insurance that an employer offers. In this type of insurance, the employee pays the premium, while their beneficiaries receive the benefit, should the employee die while the voluntary insurance is in force.<\/p>\n\n\n\n<p>However, since the employer sponsors the insurance for several employees, the premium will be lower than when the employees purchase the insurance individually in a marketplace. Many workers can benefit from this type of insurance since the coverage is generally low and does not require any medical exam. <\/p>\n\n\n\n<p>In addition, you can use the opportunity to purchase an insurance policy for your spouse. Although not every insurance company offers this option, many of them do.<\/p>\n\n\n\n<p><strong>SEE ALSO: <a href=\"https:\/\/kiiky.com\/insurance\/business-insurance-companies\/\" target=\"_blank\" rel=\"noreferrer noopener\">15 Best Business Insurance Companies For 2023\u00a0<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-does-voluntary-life-insurance-work\">How Does Voluntary Life Insurance Work?<\/h2>\n\n\n\n<p>This life insurance pays benefits of a limited amount on death benefits. It does not require a medical exam, meaning you are qualified for this type of insurance, regardless of your health status. This can be an excellent benefit for you as an employee, especially if you may not purchase private insurance due to some medical condition. With your employer\u2019s influence, the monthly premium in exchange for the insurance coverage is relatively lower than the individual life insurance sold in the retail market.\u00a0<\/p>\n\n\n\n<p>Moreover, this type of insurance has different policy packages. It does not necessarily mean that you and your fellow employee must purchase at the same price, regardless of your financial capability. Hence, policies vary, depending on the condition and how your employer negotiates with the insurance company.\u00a0<\/p>\n\n\n\n<p>However, an essential condition you must find out is whether the insurance package is portable. That is, whether you can still be covered under the policy should you leave the company or place of work for another place. Therefore, you must seek to understand the conditions upon which you buy your voluntary life insurance cover.\u00a0<\/p>\n\n\n\n<p>READ ALSO: <a href=\"https:\/\/kiiky.com\/insurance\/how-much-does-car-insurance-cost\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Much Does Car Insurance Cost?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"options-offered-by-voluntary-life-insurance\">Options offered by Voluntary Life Insurance<\/h2>\n\n\n\n<p>There are added benefits and riders that come with voluntary life insurance. A rider is an insurance policy provision capable of adding benefits to the policy or changing the terms of the insurance coverage as time goes on.\u00a0<\/p>\n\n\n\n<p>The benefits could be in the form of the following:<\/p>\n\n\n\n<ul>\n<li>Options to upgrade the voluntary life insurance plan<\/li>\n\n\n\n<li>Portability of the coverage. That is the option to continue the insurance policy even when one changes employer.<\/li>\n\n\n\n<li>Accelerated benefits<\/li>\n\n\n\n<li>Options to purchase plan for one\u2019s spouse or other family members<\/li>\n\n\n\n<li>Options to remove premium directly from one\u2019s salary.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"types-of-voluntary-life-insurance\">Types Of Voluntary Life Insurance<\/h2>\n\n\n\n<p>Voluntary life insurance comes under two types of life insurance: whole life and term life insurance.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-voluntary-term-life-insurance\">1. Voluntary Term Life Insurance<\/h3>\n\n\n\n<p><strong>Term life insurance<\/strong> is pure insurance and can be purchased as voluntary life insurance as part of group insurance through your employer. With a certain amount as a premium, term life insurance offers a death benefit. Likewise, your premium will remain at the same level for an extended period. You may have to renew the plan upon expiring the policy you purchased.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-voluntary-whole-life-insurance\">2. Voluntary Whole Life Insurance<\/h3>\n\n\n\n<p>Voluntary whole life insurance is not as common as term life insurance. Whole life insurance is a sort of permanent insurance. However, permanent life insurance offered as voluntary will come with a higher premium than term options. But the beautiful thing is that, while the premium is higher, it typically builds up cash as you progress.\u00a0<\/p>\n\n\n\n<p>As a result of the nature of this voluntary insurance, you may not have issues with the package, assuming you change your employer. But then, there is no harm in finding out the condition upon which you purchase your voluntary life insurance.<\/p>\n\n\n\n<p><strong>READ ALSO: <a href=\"https:\/\/kiiky.com\/insurance\/cheap-life-insurance-for-seniors\/\" target=\"_blank\" rel=\"noreferrer noopener\">10 Best Cheap Life Insurance for Seniors in 2023<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"who-needs-voluntary-life-insurance\">Who Needs Voluntary Life Insurance?<\/h2>\n\n\n\n<p>Just about anyone can benefit from voluntary life insurance. However, your financial needs will, to a large extent, determine if you need this life insurance. Also, your medical history may decide whether you qualify for this life insurance. If you have a less-than-perfect life and risky family history, you may not be eligible for a life insurance policy in a retail marketplace. But with this type of life insurance, working for your employer qualifies you. So, you can protect your family\u2019s financial future by purchasing voluntary life insurance.\u00a0<\/p>\n\n\n\n<p>On the contrary, if you have optimal health and low-risk history, you may benefit more if you purchase your life insurance in the marketplace. This is because the risk of those with low and high stakes are put together, and the premium will be the same, regardless of your condition.&nbsp;<\/p>\n\n\n\n<p>But that does not mean that voluntary life insurance is not good. As a parent, this can be a way to safeguard your kids&#8217; financial future. This is because voluntary life insurance is usually offered flatly to everyone, no matter how many children you have. Be sure to review the conditions before committing yourself to any package.\u00a0<\/p>\n\n\n\n<p>Are you a homeowner? <a href=\"https:\/\/kiiky.com\/insurance\/homeowners-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Homeowners Insurance Guide: A Step-By-Step Guide<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"how-to-obtain-voluntary-life-insurance\">How To Obtain Voluntary Life Insurance<\/h2>\n\n\n\n<p>It is effortless to get a voluntary life insurance policy. The biggest hurdle is to get an employer who offers such a policy. You can do nothing if your employer does not offer that. Therefore, you can factor in this during your job search. The steps below will help in determining if you need this type of life insurance:<\/p>\n\n\n\n<ul>\n<li><strong>Get hired<\/strong>: The first hurdle is finding a job that offers voluntary life insurance. The simplest way to determine if your would-be employer provides such a policy is by asking them during the interview. You may suggest it to your would-be employer if they do not have the package.\u00a0<\/li>\n\n\n\n<li><strong>Review your options<\/strong>: You will likely be offered the employee benefits handbook when hired. Since your employer has a policy, you may be outright eligible for the policy or after a stipulated amount of time. If you do not understand certain conditions, meet with your HR manager to get them to answer your questions.<\/li>\n\n\n\n<li><strong>Sign up:<\/strong> The company will give you a deadline to sign up for any benefits through the company. Make sure you submit a request before the deadline. If you miss the deadline, it means you will have to wait for the next enrollment period to be able to sign up. This typically takes one year too. If your employer upgrades the benefits plans, you have every right to know, as that would also determine your decision.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"what-makes-up-a-life-insurance\">What Makes Up A Life Insurance<\/h2>\n\n\n\n<p>Life insurance contracts have three essential structures:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-death-benefit\">1. Death benefit<\/h3>\n\n\n\n<p>The death benefit is the insurance value you have been paying premiums for. Upon your death, your beneficiary gets to enjoy this benefit. The insurance company will calculate the cash payout due for the insurance before paying the value to your beneficiary.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-premiums\">2. Premiums<\/h3>\n\n\n\n<p>Purchasing life insurance or any insurance stipulates the money you will pay to the insurance company monthly. This money can be deducted from your salary or bank account. But before you pay the premium, your amount will be determined by the type of insurance coverage you purchase and the terms you purchased.<\/p>\n\n\n\n<p>In essence, the premium you will pay will be a percentage of the amount of the insurance policy you purchased. The premium will be calculated using statistical concepts of insurance, called actuarial science, to determine the risk involved.<\/p>\n\n\n\n<p>SEE ALSO: <a href=\"https:\/\/kiiky.com\/insurance\/what-is-underwriting-in-business-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is Underwriting In Business Insurance?<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-cash-value\">3. Cash value<\/h3>\n\n\n\n<p>This is the amount or face value of the insurance coverage you purchased. It acts as a savings account for you to pay your premium. That is, you are contributing your premium for your beneficiary to receive the cash value upon your death.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"faqs-on-voluntary-life-insurance\"><span id=\"faqs\">FAQs<\/span><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1643985672253\"><strong class=\"schema-faq-question\">When do I have the opportunity to enroll in the Voluntary Life Insurance Program?<\/strong> <p class=\"schema-faq-answer\">Eligible employees can enroll in the Voluntary Life Insurance program once a year during Open Enrollment, typically held in October and November. You may not enroll in the Voluntary Life Insurance program at any other time of the year.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1643985690104\"><strong class=\"schema-faq-question\">What is the maximum available amount for an employee or spouse?<\/strong> <p class=\"schema-faq-answer\">During Open Enrollment, you or your spouse (under age 70) may apply in any $10,000 amount up to $500,000 each.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1643985715478\"><strong class=\"schema-faq-question\">Is the life insurance portable?<\/strong> <p class=\"schema-faq-answer\">Yes. You may keep this family term life insurance if you leave TSRI by completing a portability application within 31 days of your termination date.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1643985767705\"><strong class=\"schema-faq-question\">What are the rates for Voluntary Life Insurance?<\/strong> <p class=\"schema-faq-answer\">The rates are age-rated and published each year during Open Enrollment.<\/p> <\/div> <\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"conclusion\">Conclusion&nbsp;<\/h2>\n\n\n\n<p>Voluntary life insurance comes with its benefits. It is good you purchase it if your pocket strength is not high. Also, if you have a medical condition, this may be a way to transfer the major risk to the insurance company while saving for your dependents.\u00a0<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"references\">References<\/h2>\n\n\n\n<p><strong><a href=\"https:\/\/www.scripps.edu\/hr\/benefits\/insurance\/voluntary_life_faqs.html\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">scripps.edu<\/a><\/strong> &#8211; Voluntary Life Insurance<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/corporatefinanceinstitute.com\/resources\/knowledge\/other\/voluntary-life-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">corporatefinanceinstitute.com<\/a> &#8211; <\/strong>What is Voluntary Life Insurance?<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.thestreet.com\/personal-finance\/insurance\/life-insurance\/what-is-voluntary-life-insurance-15108300\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">thestreet.com<\/a><\/strong> &#8211; What Is Voluntary Life Insurance and How Does It Work?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"we-also-recommend\">We Also Recommend<\/h2>\n\n\n\n<ul>\n<li><a href=\"https:\/\/kiiky.com\/insurance\/best-health-insurance-for-self-employed\/\" target=\"_blank\" rel=\"noreferrer noopener\">10 Best Health Insurance For Self-Employed In 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kiiky.com\/insurance\/cheap-life-insurance-companies\/\" target=\"_blank\" rel=\"noreferrer noopener\">15 Best Cheap Life Insurance Companies In 2023<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kiiky.com\/insurance\/general-liability-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">What Is General Liability Insurance? Overview and Coverage<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kiiky.com\/insurance\/how-much-life-insurance-do-you-need\/\" target=\"_blank\" rel=\"noreferrer noopener\">How Much Life Insurance Do You Need?<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/kiiky.com\/insurance\/what-is-rebating-in-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">What is Rebating in Insurance? | 2023<\/a><\/li>\n<\/ul>\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"excerpt":{"rendered":"Any individual who wishes to obtain medical insurance but does not have adequate money may take advantage of&hellip;\n","protected":false,"gt_translate_keys":[{"key":"rendered","format":"html"}]},"author":5,"featured_media":1606,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.2 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Voluntary Life Insurance?<\/title>\n<meta name=\"description\" content=\"Voluntary life insurance is employee benefits insurance that an employer offers. In this type of insurance, the employee pays the premium, while their beneficiaries receive the benefit, should the employee die while the voluntary insurance is in force.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kiiky.com\/insurance\/what-is-voluntary-life-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is Voluntary Life Insurance?\" \/>\n<meta property=\"og:description\" content=\"Voluntary life insurance is employee benefits insurance that an employer offers. 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You may keep this family term life insurance if you leave TSRI by completing a portability application within 31 days of your termination date.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/kiiky.com\/insurance\/what-is-voluntary-life-insurance\/#faq-question-1643985767705","position":4,"url":"https:\/\/kiiky.com\/insurance\/what-is-voluntary-life-insurance\/#faq-question-1643985767705","name":"What are the rates for Voluntary Life Insurance?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The rates are age-rated and published each year during Open Enrollment.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"featured_image_urls":{"full":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance.jpg",1280,720,false],"thumbnail":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-150x150.jpg",150,150,true],"medium":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-300x169.jpg",300,169,true],"medium_large":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-768x432.jpg",768,432,true],"large":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-1024x576.jpg",1024,576,true],"1536x1536":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance.jpg",1280,720,false],"2048x2048":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance.jpg",1280,720,false],"pk-small":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-80x80.jpg",80,80,true],"pk-thumbnail":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-300x225.jpg",300,225,true],"csco-small":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-80x80.jpg",80,80,true],"csco-intermediate":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-200x140.jpg",200,140,true],"csco-thumbnail":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-380x220.jpg",380,220,true],"csco-thumbnail-alternative":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-300x180.jpg",300,180,true],"csco-thumbnail-uncropped":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-380x214.jpg",380,214,true],"csco-medium":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-800x500.jpg",800,500,true],"csco-medium-alternative":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-560x336.jpg",560,336,true],"csco-medium-uncropped":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-800x450.jpg",800,450,true],"csco-large":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-1160x680.jpg",1160,680,true],"csco-large-uncropped":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance-1160x653.jpg",1160,653,true],"csco-extra-large":["https:\/\/kiiky.com\/insurance\/wp-content\/uploads\/sites\/5\/2022\/02\/what-is-voluntary-life-insurance.jpg",1280,720,false]},"post_excerpt_stackable":"Any individual who wishes to obtain medical insurance but does not have adequate money may take advantage of voluntary life insurance. It is an optional benefit offered by the employer to the employees. With the employer standing in the gap, such insurance costs are reduced. You may want to know how this can happen.\u00a0 This article contains everything about voluntary life insurance and why you should not let the offer pass you. Enjoy a great read. Table of contentsWhat Is Voluntary Life Insurance?How Does Voluntary Life Insurance Work?Options offered by Voluntary Life InsuranceTypes Of Voluntary Life Insurance1. Voluntary Term Life&hellip;\n","category_list":"<a href=\"https:\/\/kiiky.com\/insurance\/category\/life-insurance\/\" rel=\"category tag\">Life Insurance<\/a>","author_info":{"name":"Chukwudumebi Amadi","url":"https:\/\/kiiky.com\/insurance\/author\/dumebi\/"},"comments_num":"0 comments","gt_translate_keys":[{"key":"link","format":"url"}],"_links":{"self":[{"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/posts\/1599"}],"collection":[{"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/comments?post=1599"}],"version-history":[{"count":7,"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/posts\/1599\/revisions"}],"predecessor-version":[{"id":3228,"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/posts\/1599\/revisions\/3228"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/media\/1606"}],"wp:attachment":[{"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/media?parent=1599"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/categories?post=1599"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/kiiky.com\/insurance\/wp-json\/wp\/v2\/tags?post=1599"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}