aetna_violet_webGroup Life and AD&D Ultra® insured by Aetna Life Insurance Company. Protection for employer-sponsored plans with the option for employee-paid supplemental life coverage for employees and their dependents.

Employers want Group Life Insurance that gives their employee a benefit to help bring peace of mind at an affordable cost. WMC offers its members Group Basic, Supplemental, Dependent Term Life, and Accidental Death and Dismemberment insurance underwritten by Aetna Life Insurance Company. The Basic Life plan can be written alone or in conjunction with any other coverage and with a variety of schedules.

Employer Administrative Forms

Basic Life and AD&D Ultra® Plan

Group Size 10 or more (standard)
Eligible Employee 20+ hours per week, or as deemed by the employer and acceptable to WMC/Aetna.
Eligibility Waiting Period ¤ Effective date for current active employees
¤ First of the month participating employer’s specified service requirement for all others
Evidence of insurability is required for all late enrollees.
Plan Designs 1x, 1.5x, 2x, 2.5x and 3x Basic Annual Salary1
¤ Flat Amounts
¤ Occupation/Position Schedule
Maximum Benefit Options available based on group size
Guarantee Issue Varies based on group size
Minimum Benefit $10,000 (standard)
Age Reduction Benefits reduce by 35% @ age 65, by 60% @ 70, & 75% @ 75 (standard). Other options available.
Disability Provision Waiver to Social Security Normal Retirement Age, if disabled prior to age 60 (Premium Waiver 60)
AD&D Ultra ® Features 14 benefits that offer more accidental coverage and financial security at the same cost as traditional AD&D coverage. Includes benefits for education and child care, total disability, third-degree burns, passenger restraint and air bag use, repatriation of remains, and coma. Covers losses that occur within 365 days after the accident.
EAP Access to Aetna’s Employee Assistance Program (EAP) with unlimited telephonic consultations is included at no additional charge.
AXA Travel Assistance Program
Provides emergency travel assistance services, 24-hours a day for person traveling more than 100 miles from home.
Legal ReferenceTM Program
Through the Legal reference Website, participating employees have access to a free Basic Will program. You can also create at no cost living wills, healthcare and durable financial power of attorney forms. You also have access to information and a Victim Action Kit if a person’s identity has been stolen.
Everest Funeral Planning
Includes 24/7/365 funeral planning and concierge services from Everest Funeral Package, LLC. Everest is an independent consumer advocate whose sole purpose is to provide the information families need to make the most informed decisions around all aspects of the funeral planning process and then to put those wishes into action.


Click here to learn more about Aetna Life Essentials


Basic Dependent Life Plan

Plan Designs ¤ $5,000 spouse/$2,000 child(ren) – standard
¤ $10,000 spouse/$5,000 child(ren)
Other options available
Child’s Age/Benefit Up to age 14 days – $0
14 days to and including 18 years – stated amount
Other options available including extension of benefits to age 26


Optional/Supplement Life/AD&D Plan

Plan Designs Multiple of Basic Annual Salary (1x, 2x or 3x), or Incremental Plan ($10,000 increments)
Maximum Benefit 3x Basic Annual Salary up to $200,000 (in addition to Basic Life maximum)
Guarantee Issue Varies by group size
Minimum Benefit $10,000
Combined Maximum
(Basic Life + Supplemental Life)
5x Basic Annual Salary
Minimum Participation Greater of 15 lives or 20% of eligible group
Dependent Plans Spouse and child(ren) buy-up options available


The benefits provided under the policy have exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued, including:

AD&D Ultra® – No benefits are payable for a loss caused or contributed to by: A bodily or mental infirmity; a disease, ptomaine or bacterial infection, not a direct result of an accident; medical or surgical treatment, not needed as a direct result of an accident; suicide or attempted suicide; an intentionally self-inflicted injury; war or act of war; (voluntary) inhalation of poisonous gases; commission of or attempt to commit a criminal act; use of alcohol, drugs or intoxicants, except as prescribed by a physician; contact with nuclear or atomic energy; and air or space travel, unless a passenger without duties.

Dependent Life – The amount of spouse coverage may not exceed 50% of the amount of basic life insurance in force for the employee. Children under 14-days of age are excluded from coverage. Dependents who are in full-time active military duty also are excluded.

Supplemental Life – No life benefit will be payable if death results from suicide, whether sane or insane, within 2 years of the effective date of coverage. The amount of spouse coverage may never exceed 50% of the amount of supplemental life insurance in force for the employee and the amount of child coverage may not exceed 25% of the amount of supplemental life insurance in force for the employee. Children under 14-days of age are excluded from coverage.

WMC is Wisconsin Manufacturers & Commerce. WMC is the sponsor and policyholder for the WMC benefit plans. Life and AD&D plans are underwritten by Aetna Life Insurance Company. “Aetna” is the brand name also used for products and services provided by one or more of the Aetna group of subsidiary companies.

For cost and complete details of the coverage, call or write your independent agent, or WMC directly at 800.236.5414.

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1Basic Annual Salary means an employee’s gross annual rate of pay from the participant employer, excluding overtime and other extra pay. Basic Annual Salary includes commissions and/or bonuses which shall be averaged for the most recent 24-month period or as deemed appropriate by the employer and acceptable to the insurer.