Life & Disability Insurance

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Life and Disability Insurance

For sole proprietors and businesses with up to 99 employees

By offering life and disability insurance as part of a comprehensive benefits package, you can attract top talent, boost employee morale, and provide financial security for your team. SBAM members can obtain coverage sponsored by Dearborn National Life Insurance.

100% employer-paid benefit (participation of all eligible employees is required)
Exclusive rates and flexible eligibility requirements available only to SBAM members
Access to SBAM’s exclusive Member Care Team for help with enrollment, additions and deletions, billing, and claims

Your Benefits Will Include

We offer coverage that small businesses can leverage to protect their employees and strengthen their workforce.

Advanced Payment of Life Insurance Benefit

Pays up to a total of $100,000 per beneficiary
Available on claims with 1, 2 or 3 named beneficiaries
No death certificate required
Payment check mailed within 48 hours of confirmation

Travel Resource Services

Transportation of loved ones in case of hospitalization, cash advance, legal assistance or bail
Physician and dentist referrals, eyeglass replacement, and interpreters
Visa and passport information, embassy and consulate referrals, foreign exchange rates and travel advisories
Expenses paid for medically necessary evacuation or return home

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Beneficiary Resource Services

Unlimited 24/7 phone consultation for up to one year with grief counselors, legal assistance and financial advisors
Five face-to-face counseling sessions with a grief counselor or legal advisor or both.
Safe and secure online will preparation
Funeral resources including a planning guide and budget calculator

View Brochure

Flexible and Affordable Coverage

Guaranteed Issue life coverage starting at $15,000
Voluntary life coverage up to $500,000
Optional life coverage for spouses up to $20,000 and dependents up to $10,000
Definition of eligible full-time employment can be as low as 20 hours per week
Groups are not asked to provide SIC codes

Need Health Insurance?

We have you covered!

When you partner with Blue Cross Blue Shield of Michigan and Blue Care Network, you’re selecting the strongest network of providers in Michigan.

Choose from a variety of small group health plans to fit the needs of your employees and your business. When your coverage is sponsored through SBAM, our Member Care Team handles all your enrollment changes, billing questions, and new business paperwork through our online service portal.

Learn More

Disclaimer: Dearborn Life Insurance Company’s group insurance products are offered as Specialty Benefits in cooperation with Blue Cross Blue Shield of Michigan.
Specialty Benefits group insurance products are issued by Dearborn Life Insurance Company, 701 E. 22nd St. Suite 300, Lombard, IL 60148. Dearborn Life is a separate company and does not provide Blue Cross Blue Shield of Michigan products and is financially responsible for the products it issues.
For illustrative purposes only. May not be available in all jurisdictions. Coverage may be subject to limitations, exclusions and other coverage conditions contained in the issued policy. Please consult the policy for the actual terms of coverage.