Planning for the Unexpected

Eligible employees automatically receive substantial basic life and accidental death & dismemberment (AD&D) insurance coverage that is fully paid for by Confluent. This benefit helps financially protect you and your family in the event of a death or a disabling accident. If you’d like additional life and AD&D coverage beyond what’s offered by Confluent, you have the option to purchase Voluntary life and AD&D insurance. The cost will be deducted from your paycheck.

Basic Life and AD&D

Coverage is fully paid by Confluent, and provides you with two types of insurance protection:

• Basic life insurance coverage for you equaling two times your annual target earnings, up to a maximum of $700,000. Your designated beneficiaries will receive a lump-sum payment if you die while employed by Confluent.
• AD&D insurance for you equal to two times your annual target earnings, up to a maximum of $700,000. It pays a benefit in addition to your life insurance if you die as the result of a covered accident. It also pays benefits for loss of limb, hearing, speech, sight, and other serious losses resulting from an accident while employed by Confluent.

Voluntary Life and AD&D

In addition to the coverage Confluent provides, you are able to purchase expanded Life and AD&D coverage for yourself and your dependents.

Coverage for Yourself

• Purchase in $10,000 increments up to $1,000,000.
• You will need to provide proof of good health on any amount above $350,000 (this amount only applies to new hires).
• In the case of a qualified life event, you can elect to increase or start coverage, but the entire amount would be subject to a statement of good health before approval.
• Additional employee AD&D is also available in these increments. No proof of good health required for AD&D.

Coverage for Your Family

If you enroll yourself in voluntary life or AD&D coverage, you’ll have the option to enroll your partner and children in coverage as well.

For your partner or spouse:

• Purchase in $5,000 increments up to $500,000 (other limits may apply).
• Your partner will need to provide proof of good health on any amount above $50,000 (this amount only applies to new hires).
• In the case of a qualified life event, you can elect to increase or start coverage, but the entire amount would be subject to a statement of good health before approval.

For your children:

• Purchase in increments of $2,000 up to $10,000.
• No proof of good health required.

Portability & Conversion

Leaving Confluent? Review your options.

You may have the option to continue your life coverage with LFG directly through applying for portability or conversion. After your employment ends, LFG will mail you more information and an application for continued coverage.  You must apply and pay any premiums due within 31 days of your termination date. Please contact LFG directly at 877-321-1015 with any questions.

• Conversion vs Portability
• Portability FAQ
• Conversion FAQ

Travel Assistance

If you have a medical emergency while you are more than 100 miles away from home, you don’t have to face it alone. With one simple phone call, you can be connected to a staff of medically trained, multilingual professionals, who can advise you in a medical emergency, 24/7.Check out the LFG Travel Flyer for more information.