Our Group Products
We represent over 30 different group carriers
Group Term Life & AD&D
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
Short Term Disability
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
Long Term Disability
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
Group Dental
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
Proprietary Products to S&D
Group Vision
Educational Product
Please contact us for more information
Or Click on brochure below
Group Voluntary Life & AD&D for Educational systems.
Voluntary Life
Choose from a minimum of $10,000 to a maximum of $500,000 in $10,000 increments.
Dependent Life
Spouse or Civil Union Partner - $10,000
Dependent Child(ren) - $5,000 or $10,000
Additional Spouse Coverage
From a minimum of $10,000 to a max of $150,000 in $10,000 increments
Features
AD&D (optional)
Conversion Privilege
Waiver of Premium
Portability
Please contact us for more information