Employee Benefits
Group Medical
Issued to groups of two or more employees. Level Funding option is available to help reduce premiums and create the possibility of premium refund.
Dental
Guarantee issue to groups at two lives and up.
Vision
Low premiums, guarantee issue at two lives and up.
Life Insurance
Guarantee issue life insurance with significant maximums. Maximum guarantee issue amounts vary on group type, employee participation, and size. Premium for $50,000 is not taxable to the employee.
Accidental Death & Dismemberment
Guarantee issue for two or more employees.
Short Term Disability
Guarantee issue weekly benefits, multiple design options, with short benefit waiting period options.
Long Term Disability
Guarantee issue at two lives. Maximum benefit up to $20,000 per month or 70% of wages.
Long Term Care Insurance
Voluntary Individual policies issued with group simplified underwriting. Employee premiums may be deductible by the employer and not considered income to the employee.
Worksite Voluntary Plans
Voluntary Individual policies issued with group simplified underwriting or guaranteed issue including: Accident, Cancer, Critical Illness, Dental, Disability, Hospital Indemnity, Intensive Care, Life Insurance, Limited Medical, Long Term Care, Medical Bridge, Vision