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Group life insurance is usually offered as part of a "menu" of employee benefits, such as group health, group life, or group long-term and short-term disability insurance. Some employers automatically will issue group life insurance. Other employers may be willing to pay only a certain amount of money for benefits, and employees will be able to choose which benefits they receive. See Cafeteria Plans

A business with as few as two employees may offer a group life insurance plan. But, generally, employers don't offer group life insurance as part of a benefits package until they grow to at least 10 to 15 employees, according to Ann Bryan, vice president of group insurance for Aetna U.S. Healthcare.

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