Products

Click on a product below for more information.

 

 


Group Term Life:
Benefits

10+ Lives Guarantee Issue up to $1,500,000*
Retiree Coverage
Class Carveout
Dependent Life-Spouse $2,000 to $20,000*
Children $500 to $10,000*
High Risk Industries

2+ Lives Guarantee Issue up to $100,000*
Retiree Coverage
Dependent Coverage
High Risk Industries

*Subject to underwriting guidelines

Information Required

Age or year of birth, income or amount of insurance and schedule of benefits.
Experience on Groups of 300+ lives, 3 year rate, claims and waiver of premium history.
Verification of existing rate, reductions and GI to be the most competitive we can.

Long Term Disability:
Benefits

10+ Lives Guarantee Issue up to $25,000*
Benefits can be 50% up to 75%
Elimination period from 30 to 365 days
To 65, 6 months to Own Occupation, AEDA
Partial, Cola, Progressive and More
Industries: White, Gray and Blue Collar

2+ Lives Guarantee Issue up to $750 per week*
Benefits can be 50% up to 70%
Elimination period from 30 to 180 days
Coverage 5 yrs - 65
Industries: White, Gray and Blue Collar

*Subject to underwriting guidelines

Information Required
Age or year of birth, sex, salary and Job Titles
Experience on 100+ lives, 3 years of rates claims.
Copy of inforce plan
Verification of existing coverage and rates so we may be as competitive as we can.

Voluntary Life & AD&D:
BENEFITS

2+ Lives Guarantee Issue up to $300,000*
Minimum number of hours, 20 per week
Minimum Participation, 15%
Face Amount from $10,000 to $1,000,000
(Not to exceed 5 times salary)**
Spouse Coverage to 100% of the employees***
(spouse may be covered even if the employee is not participating)
Dependent Coverage from $2,500 to $10,000
Portability
Accelerated Death Benefit
Waiver of Premium
Smoker/Non-Smoker and Unismoker rates
50% Reduction at age 70

* Subject to underwriting Guidelines
** Texas has a maximum of 7 times salary
*** In some states maximum percentage on a spouse can not exceed 50%

Information Required

GROUPS NOT IN FORCE
Name and Address with Zip code of group
Number of employees Male and Female
Benefit Schedule

GROUPS IN FORCE
Copy of policy or Certificate (if Available)
Copy of Premium Statement
Copy of brochures
Volume by sex and age
How previously underwritten
Experience over 500 lives, premium, claims for 3 years

Voluntary Long Term Disability:
BENEFITS

2+ Lives Guarantee Issue up to $6,000 per month*
Minimum number of hours, 30 per week
Minimum Participation, NONE
Amount to $6,000 per month
(Not to exceed 60% of weekly salary)
Choice of 50% to 60%
Elimination period, 30,60,90 and 180**
Benefit selection either age 65, 5 years or 2 years
Pre-existing condition 3/6/12
2 year own occupation
Includes Maternity
Partial disability and zero day
Recurring Disability
Waiver of premium
Continuity of coverage
2 year, drug, alcoholism, mental and nervous
$50 minimum
3 month survivor benefit

* Subject to underwriting Guidelines
** Elimination period of 30 and 60 days not available for duration to age 65
Not all carriers we are partners with have all the above features

Information Required

GROUPS NOT IN FORCE

Name and Address with Zip code of group
Complete census, gender, date of birth and salary
Benefit Schedule

GROUPS IN FORCE

Copy of policy or Certificate (if Available)
Copy of Premium Statement
Copy of brochures
Volume by sex and age
How previously underwritten
Experience over 200 lives, premium, claims for 3 years and claims showing date of disability and monthly benefit

Voluntary Short Term Disability:
BENEFITS

2+ Lives Guarantee Issue up to $6000*
Minimum number of hours, 30 per week
Minimum Participation, NONE
Amount from $100 to $750 per week
(Not to exceed 60% of weekly salary)
Choice of 50% to 60%
1/8/13 through 30/30/52
No Pre-existing condition
Includes Maternity
Partial Disability
Recurring Disability
Waiver of Premium
Continuity of coverage
Non-Occupational coverage only

* Subject to underwriting Guidelines. Not all carriers we are partners with have all the above features.

Information Required

GROUPS NOT IN FORCE

Name and Address with Zip code of group
Complete census, gender, date of birth and salary
Benefit Schedule

GROUPS IN FORCE

Copy of policy or Certificate (if Available)
Copy of Premium Statement
Copy of brochures
Volume by sex and age
How previously underwritten
Experience over 200 lives, premium, claims for 3 years

Voluntary Dental:
BENEFITS

2+ Lives 
Minimum numbers of hours, 30 hours
Minimum Participation, 2
Annual Deductible: $50.00 ($150 family) exclusive
of preventive & diagnostics services
Annual Maximum: $1,000 per subscriber and covered dependent
Orthodontics: $1,000 life time for dependent children
under the age of 19
Personal choice of Dentist
No underwriting review
Prompt claim handling
Plan I
100% for preventive and diagnostic procedures
50% all remaining procedures
Plan II
100% for preventive and diagnostic procedures 
80% for minor restorative, endodontic, periodontics 
and oral surgery
50% on all other procedures

Information Required

GROUPS NOT IN FORCE

Name and Address with Zip code of group
Benefit Schedule

GROUPS IN FORCE

Copy of policy or Certificate (if Available)
Copy of Premium Statement
Copy of brochures
Experience over 200 lives, premium, claims for 3 years

Weekly Income Benefits:

Benefits
10+ Lives Guarantee Issue up to $1,500,000*
Benefits can be 50% up to 75%
Benefit period from 1 week to 2 years
A&S elimination from 0 to 365 days
May include Partial disability benefit
Maternity as any other sickness
No Pre-X condition

2+ Lives Guarantee Issue up to $750 per week*
Benefits can be 50% up to 75%
Benefit period from 13 or 26 weeks

*Subject to underwriting guidelines

Information Required

Age or year of birth, sex, salary.
Experience on 100+ lives, 2 years of rates claims.
Verification of existing coverage and rates so we may be as competitive as we can.

 

 

 

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