Portability is an insurance feature that may allow you to keep certain coverage when you leave an employer, retire, or otherwise become ineligible for a group insurance plan. Rather than losing coverage immediately, you may be able to continue it as an individual policy by paying the premiums directly.

Examples of Portable Coverage

Life Insurance

If you leave your job, your group life insurance plan may offer a portability option that allows you to continue the same coverage without losing protection for your loved ones.

Disability Insurance

Some disability insurance plans allow coverage to continue after employment ends, helping protect your income if an illness or injury prevents you from working in the future.

Supplemental Benefits

Coverage such as accident, critical illness, and hospital indemnity insurance may also be portable, giving you the option to keep these valuable benefits even after leaving your employer.

Why Portability Matters

Life changes such as changing jobs, retiring, or transitioning between careers can create unexpected gaps in insurance coverage. Portability helps provide continuity and peace of mind by allowing you to maintain important protection when you need them most.

In simple terms, Portability gives you the opportunity to keep certain insurance coverage during life’s transitions, helping you avoid coverage gaps and maintain financial protection for yourself and your family.

Life brings changes, but your coverage doesn’t have to. If you’d like assistance in understanding your portability options, we’re here to help.