Many companies offer employees group life, disability and medical benefits in their employment package to attract and retain quality employees. For employees who fit this profile, they are guaranteed to be accepted for life and permanent disability cover.
An uninsured applicant will want to work for a company that offer group insurance as part of their employee benefit package. You can insure the employee's salary for 3 or 5 times their annual salary. Portability is an important feature many employees will look for.
Portability gives you the option for the insurance cover to continue if you are terminated, resign or retire.