Broker Check

Group Life Insurance

FOCUS 10 Life®

For an employer, life insurance can do so much more than replace income.  It can be an extra incentive for key personnel, a part of a plan for the future and a valuable benefit for employees.


FOCUS 10 Life® simplified issue term insurance can be the right life insurance product for employers with white-collar employees. When insuring at least 10 lives, it can address a number of business needs. It is easy to implement and unlike traditional group term or universal life insurance, FOCUS 10 Life:

  • Offers guaranteed level premiums for 10 years
  • Allows up to $1.5 million of coverage with no physical exam
  • Requires only one "actively at work" question
  • Can be issued up to age 70
  • Does not automatically reduce benefits at older ages
  • Can continue upon retirement or termination with the same premium
  • Can be converted to permanent insurance with no underwriting
  • Is fully portable upon retirement or termination with the same premium

FOCUS 10 Life is easy to implement and administer. For more than 10 years, FOCUS 10 Life, Inc. has been providing all proposals, enrollments and ongoing plan administration of this innovative life insurance.

Fringe Benefit

FOCUS 10 Life® is an excellent way to provide a fringe benefit to valued employees.  Your plan may allow an employee to name his or her own personal beneficiary.

Buy-Sell Funding

 A Buy-Sell agreement is a legally binding document that stipulates what will happen to a business when a business owner or partner becomes disabled, dies, retires or decides to sell his or her interest in the company. FOCUS 10 Life Insurance can be an ideal vehicle for funding a Buy-Sell Agreement in the event of a death. A significant amount of life insurance can be acquired on a simplified issue basis.

Key Person Life Insurance

Replacing the expertise and knowledge of a key person due to an untimely death can take time and money—and may even jeopardize the continuity of the business.  Key person life insurance can help the transition.  FOCUS 10 Life makes it easy for an employer to acquire life insurance policies on the lives of key executives.

Multiple Situations Addressed by a Single Product

FOCUS 10 Life can address a number of the situations you encounter. For example, a plan can be designed to provide buy-sell funding for two partners while at the same time providing key person coverage on ten managers and a fringe benefit for the remaining employees.

For an employer, choosing the right life insurance coverage for employees, partners or key executives can be challenging.  FOCUS 10 Life provides a benefit that works well for many businesses including accounting firms, banks, law firms, medical practices and small, closely held companies.  FOCUS 10 Life is easy to implement and provides cost effective coverage with guaranteed level premiums for 10 years.

*Under Internal Revenue Code 101(j), for the death benefit of a life insurance policy to be excluded from the business’ income, the employee must be given notice of the policy and consent to be insured by the employer. This notice and consent is in addition to any notice provided on the life insurance application and must be signed by the employee prior to issuance of the policy. Also, see IRS Form 8925 Report of Employer-Owned Life Insurance Contracts.

FOCUS 10 Life® (form 3011 and form 3011 F10 FL) is issued by Ameritas Life Insurance Corp. in approved states. In New York, FOCUS 10 Life® (form 5011) is issued by Ameritas Life Insurance Corp. of New York.

FOCUS 10 Life, Inc. is an independent third party administrator and is not affiliated with Ameritas Life Insurance Corp. or Ameritas Life Insurance Corp. of New York