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The Group Life Insurance for Employees for employees is quite inexpensive and is offered by a union or labor organization. universal life insurance vs whole life vs term is a lifetime permanent life insurance that allows policyholders to pay flexible premiums, a cash savings component, and a death benefit. In times of financial needSecond Mortgage vs Personal Loa individuals often seek additional sources of funding to meet their obligations. Group life insurance is available Types of Group Life Insurance in several forms and each offers unique features and benefits.