NYLGBS - Insperity

NYLGBS - Insperity  

Benefits Guide
formerly Trusted Advisor

New York Life Group Benefit Solutions Benefits Guide (NYL GBS Benefits Guide)


New York Life Insurance Company acquired Cigna Group Insurance (CGI) on December 31, 2020. As part of this transition, CGI has changed its name to New York Life Group Benefit Solutions (NYLGBS). The Cigna Trusted Advisor® name and website is changing to NYL GBS Benefits Guide. As we progress with our re-branding efforts, you will see co-existing brands across benefits materials. The same service team will continue to provide the support you've come to expect. Our contact information can be found on the Contact Us page.



Personal and Family Financial Protection for Employees of Insperity


Insperity offers voluntary (100% employee-paid) Life, Accidental Death & Dismemberment and Disability insurance underwritten by NYL GBS. To view the coverage options available to you and your family, or to increase your current coverage amounts, please select a product below and click on “Learn More.”


The content in this portal is for informational purposes only and contains words and phrases that have special meanings. These words and phrases appear in the General Definitions section. The Certificate of Insurance (Certificate), provided to you once coverage has been issued, will contain the specific information on each benefit and additional information (including the eligibility rules for participation) can be found in the Insperity Welfare Benefits Plan Summary Plan Description (SPD).


Note: If you apply within 30 days of your Benefits Eligibility Date, you will not have to take any medical tests or answer any health questions for certain levels of VTL and/or disability insurance, referred to as Guaranteed Issue amounts. If you apply after 30 days of your Benefits Eligibility Date or for amounts in excess of the Guaranteed Issue amounts, you will have to provide proof of good health. You can apply for AD&D insurance at any time without proof of good health.


Effective January 1, 2022, the Group Universal Life (GUL) insurance policy will terminate and be replaced with a Voluntary Term Life (VTL) policy. If you are currently enrolled in GUL coverage, you will receive more detailed information about the termination of the GUL policy and the new VTL policy by mail.