Compas provides basic life insurance and accidental death and dismemberment coverage at no cost to you. The benefit is 1.5 times your annual base pay, up to $300,000.

The amount reduces to 35% at age 65, 25% at age 70, and 15% at age 75.

The company pays 100% of the premium.

Provider: USAble, usablelife.com, 1-800-370-5856