It’s important to plan for your family’s financial security in case the unexpected happens.



H&R Block offers life and accident insurance plans to help protect you financially. The company automatically provides you with Basic Life and AD&D coverage. You can also purchase supplemental coverage in addition to the company-provided benefits.

Have you named a beneficiary?

Be sure to designate a beneficiary for your insurance benefits. You will be asked to provide this information when you enroll. If you purchase supplemental coverage for your spouse and dependents, you will be named the beneficiary.


Basic Life and AD&D

H&R Block provides Basic Life and AD&D (Accidental Death & Dismemberment) coverage, fully paid by the company, for eligible full-time and part-time associates.

  • Basic Life insurance coverage pays one times your base annual salary up to $2,000,000 in the event of death.
  • Basic AD&D insurance coverage pays one times your base annual salary up to $500,000 if you die or suffer certain serious injuries as a result of an accident.

Supplemental Life and AD&D

Supplemental Life Insurance

If you’d like to supplement your basic life insurance, you can buy additional coverage for yourself in the amounts shown below.

Supplemental Life for Yourself*

Option A $35,000
Option B $50,000
Option C $75,000
Option D $100,000
Option E $200,000
Option F $300,000
Option G $400,000
Option H $500,000

*Evidence of Insurability (EOI) is required for amounts over $1,000,000 for Basic Life insurance. EOI is also required for associates electing Supplemental Life insurance for the first time after previously waiving coverage, or increasing their current coverage amount by more than 1 level.

You can also purchase additional coverage for your spouse/domestic partner (you must have Supplemental Life coverage for yourself to do this, and coverage for your spouse/domestic partner cannot exceed the value of your own policy). See the amounts of coverage below. The same rules above apply for this coverage.

Supplemental Life for Your Spouse/Domestic Partner*

Option A $10,000
Option B $25,000
Option C $50,000
Option D $100,000
Option E $200,000

*If you are electing as a new hire, or newly eligible associate, Evidence of Insurability (EOI) is required for spouse/domestic partner Supplemental Life amounts over $50,000.

Supplemental Life for Your Children

Option A $5,000 for each child
Option B $10,000 for each child
2022 Supplemental Life Rates

Learn more about your Basic & Supplemental Term Life benefits, including how much Supplemental Term Life coverage will cost you.

Supplemental AD&D Insurance

You can also purchase Supplemental AD&D insurance for just yourself or for your entire family. Coverage is available in increments of $25,000 up to $500,000 (not to exceed 10 times your annual salary). The rate for associate-only coverage is $.011/$1,000. The rate for family coverage is $.022/$1,000.

Learn more by reviewing the supplemental AD&D insurance brochure from Chubb.


Business Travel Accident

H&R Block provides Business Travel Accident (BTA) coverage, fully paid by the company, to regular associates who are scheduled to work a minimum of 20 hours per week. BTA provides three times your annual salary if you are involved in a covered accident while on business travel (international travel).

Refer to these BTA resources: