Voluntary Products

Minimum Group Size:

5+ applications, combination of employee and spouse

Maximum Group Size:

No limit.

Minimum Employer Contribution:

0%

Participation Requirements:

Typically 25% for Guarantee Issue; Group must have at least 6 eligible lives to qualify for Guarantee Issue

Plan Options:

Increments of $10,000 up to $300,000 on both employee and spouse
Child coverage of $5,000 or $10,000 available

Benefits:

Portability, Conversion

Guarantee Issue:

Based on 25% employee participation and the group's total size

Premium:

Per $10,000

DISCLAIMER: This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.

Minimum Group Size:

Standalone; 5+ applications. If purchased with VGTL, VSTD, or VLTD; 2+ applications

Maximum Group Size:

No limit

Minimum Employer Contribution:

0%

Participation Requirements:

5+ applications if standalone; 2+ if purchased with VGTL, VSTD, or VLTD

Plan Options:

Increments of $10,000 up to $300,000 on both employee and spouse
Child coverage of $5,000 or $10,000 available

Benefits:

Speech & Hearing Rider, Seat Belt/Air Bag Rider, Special Education Rider

Guarantee Issue:

Amounts over $150,000 subject to 10x employee's annual earnings

Premium:

Per $1,000

Additional information can be provided upon request.

DISCLAIMER: This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.

Minimum Group Size:

1 application required

Maximum Group Size:

No limit

Minimum Employer Contribution:

0%

Participation Requirements:

1 application

Plan Options:

Percentage-based with allowed percentages determined by industry

Benefits:

Up to $750 weekly benefit
12/12 pre-existing condition limitation
Continuity of Coverage available

Guarantee Issue:

All Guarantee Issue if applying when initially eligible

Premium:

Per $10 weekly benefit

Additional information can be provided upon request.

DISCLAIMER: This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.

Minimum Group Size:

Greater of 10 approved applications or 15% participation of all eligible employees required

Maximum Group Size:

No limit

Minimum Employer Contribution:

0%

Participation Requirements:

Greater of 10 approved applications or 15% participation of all eligible employees required

Plan Options:

Salary-based with a choice of a 90- or 180-day elimination period

Benefits:

Up to 60% of earnings
$5,000 maximum
5 year accident/2 year sickness
5 year accident/5 year sickness
To Age 65 Accident/To Age 65 Sickness available

12/6/24 pre-existing condition limitation

Guarantee Issue:

All Guarantee Issue if applying when initially eligible

Premium:

Per $100 monthly covered benefit

Additional information can be provided upon request.

DISCLAIMER: This is a brief description of the products offered and is for informational purposes only. In the event of a conflict between this information and the policy, the policy will prevail.