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

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

 

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

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

 

Voluntary AD&D