Group Life Insurance for Houma, Louisiana Employers

Clement Insurance Agency | Serving Houma, New Orleans & South Louisiana

Optional Add-Ons

Ask us about rental reimbursement, roadside assistance, and gap coverage — extras that make real-life driving easier.

What Your Plan Should Cover

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Basic Group Term Life

Life insurance coverage for employees—typically 1–2 times annual salary, paid to a chosen beneficiary if the employee passes away while employed.

Supplemental Life Options

Employees can choose to purchase additional coverage for themselves, a spouse, or dependents at group rates.

Accidental Death & Dismemberment (AD&D)

Extra benefit if an employee’s death or injury is caused by an accident.

Guaranteed Issue Coverage

No medical exam required—easy enrollment, especially for new hires or during open enrollment periods.

Portable Coverage

Some plans allow employees to keep coverage if they leave your company.

Who Needs Group Life Insurance?

Employers in Houma, New Orleans, and across South Louisiana who want to strengthen their benefits package and show employees you care should consider group life insurance. Group life coverage offers financial security for families and peace of mind for workers—often at a much lower cost than individual policies.


Clement Insurance Agency helps local businesses provide basic or supplemental life insurance as part of a total employee benefits plan. We set up group term life policies, help with guaranteed issue options, and make the process easy for both employers and their teams.

Thinking about adding life insurance to your benefits?
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How the Process Works

Step 1

We review your current benefits and workforce needs.

Step 2

You get quotes for basic and supplemental group life options from major carriers.

Step 3

We explain plan details—coverage amounts, eligibility, and costs.

Step 4

Support for open enrollment, new hires, and claims—always local and accessible.

Frequently Asked Questions

  • Who should offer group life insurance?

    Any employer looking to enhance their benefits, retain talent, or show employees you value their families’ security.

  • Is group life insurance expensive?

    Not usually—group rates are lower, especially for basic coverage, and premiums are often tax-deductible for businesses.

  • What is guaranteed issue?

    Coverage available to all eligible employees, regardless of health status, with no medical questions or exams.

  • Can employees add family coverage?

    Yes, many plans offer supplemental spouse and dependent life insurance.

  • Why work with a local agency?

    You get tailored guidance, honest answers, and support from a team who knows the needs of Houma, New Orleans, and South Louisiana businesses.

  • Why work with a local, independent agency?

    You get practical guidance, local knowledge, and ongoing service from a team who knows Houma, New Orleans, and Louisiana business needs.

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Ready to Get Started?

Help your team protect their families with group life insurance that’s simple and affordable. Clement Insurance Agency guides Houma, New Orleans, and South Louisiana employers every step of the way. Get your group life insurance quote today.