Smith's Food & Drug (Kroger) Employee Life Insurance
Understand your group coverage gaps and explore supplemental life insurance options from A-rated (A.M. Best) carriers through agents in our Nevada network.
10,000+ in Nevada
Estimated Nevada Employees
$175,000
Illustrative Coverage Amount
$18–$44/mo
Illustrative Premium Range
Group Benefits vs. Coverage Gaps
Understanding what Smith's Food & Drug (Kroger) typically provides — and where that coverage falls short.
What Smith's Food & Drug (Kroger) Likely Provides
- UFCW-negotiated group life insurance
- Medical and dental benefits through union contract
- Pension plan for qualifying long-tenured employees
Common Coverage Gaps
- Union pension is not a substitute for life insurance
- Group life amounts may lag behind actual total compensation
- Part-time grocery workers often ineligible for full group benefits
- Coverage terminates with Smith's employment
Why Smith's Food & Drug (Kroger) Employees Consider Supplemental Life Insurance
Union pension ≠ life insurance — both serve different purposes
Part-time grocery workers can access coverage group plans deny
Meaningful protection for Nevada grocery families
Portable through grocery and retail career transitions
Available year-round regardless of union contract cycle
Supplemental Coverage for Smith's Food & Drug (Kroger) Employees
Smith's Food & Drug, a Kroger subsidiary, is one of Nevada's largest grocery employers with a UFCW-represented workforce. Union benefits provide a foundation of coverage, but the pension — like all defined benefit retirement plans — does not replace the income protection function of life insurance. Part-time cashiers, stockers, and service workers may have limited group coverage, while full-time employees with union pensions still need supplemental life insurance to protect their families through working years. Individually owned policies through an A-rated (A.M. Best) carrier provide this essential gap coverage. Agents in our network serve Smith's employees statewide.
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier. No personalized coverage recommendation is made — work with a licensed agent to determine what is right for your situation.
Your Estimated Coverage
Example coverage amounts and illustrative premiums for Smith's Food & Drug (Kroger) employees.
$175,000
Illustrative Coverage Amount
$18–$44/mo
Illustrative Monthly Premium
Illustrative monthly premium for a healthy non-smoker grocery worker age 34. Actual premiums vary by carrier and individual underwriting.
Actual premiums vary by carrier and individual underwriting. Quotes are estimates subject to underwriting review.
Smith's Food & Drug (Kroger) Employee Life Insurance Questions
UFCW-negotiated contracts typically include some group life insurance. The amount varies by contract. Check with your union local for your specific benefit amount and terms.
Yes. Individual life insurance is available regardless of full-time or part-time status. Your personal income and health are the qualifying factors.
Group life insurance typically ends when you change employers. If you have an individual policy, it travels with you wherever you work.
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Explore Supplemental Coverage as a Smith's Food & Drug (Kroger) Employee
Agents in our network of Nevada-licensed professionals can compare options from multiple A-rated (A.M. Best) carriers to help you understand what supplemental coverage may make sense for your situation.
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