GROUP CARRIERS

We offer Employer, Voluntary, and Worksite Products.

We offer everything you need from ancillary programs, to top medical carriers as well as services to help you assist the needs of your group clients. Small Group has been and still remains today our specialty. Consider us a part of your own team from quoting, to group implementation, day to day service and renewal. Large group markets we can also assist in as well. You are our partners so if you need help with quoting, presenting, and closing we are here for you.

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Group Markets

Group Medical

  • Level Funded Health Plans down to 2 lives
  • Reference Base Pricing Programs
  • PPO Network Programs
  • Wide variety of deductibles and coinsurance levels

Group Life Insurance with Long Term Care Rider

  • Select between a Group Whole Life or Group Universal Life program with a Long Term Care Rider
  • Available for Employers with 10 employees or more
  • Portable if you leave your employer
  • One may purchase a $10,000 - $70,000 LTC benefit rider with no health questions

Dental 2-9 lives

Employer and Voluntary

  • Plans down to 2 enrolled and family related groups
  • 90th percentile quoted standard- can also provide 80%, 95% and MAC Pricing
  • $50 deductibles standard – Other options available including $100 lifetime
  • Orthodontia available- 5+ lives

Dental 10+ lives

Employer and Voluntary

  • $50 deductibles standard – Other options available including $100 lifetime
  • 90th percentile quoted standard- can also provide 80%, 95% and MAC Pricing
  • 100/80/50; 100/50/50; 80/80/80; all types of percentage coinsurance
  • Implant coverage
  • Maximums to $3000
  • Dual Options

Short-Term Disability

Employer and Voluntary 3+ lives

  • Up to 70% replacement
  • Total, Residual and Partial DI available
  • 13 to 26 week durations

Long-Term Disability

Employer and Voluntary

  • Industry best definitions of disability
  • Residual Income carved out
  • Contract comparison service
  • SSNRA
  • Executive Carve Out LTD
  • Family related groups eligible

Group Life

Employer and Voluntary

  • Guarantee Issue 2+ lives
  • Guarantee Issue $25,000+
  • Portable
  • Accelerated Benefits
  • Annual Enrollments

Accident/Critical Illness/GAP

Employer and Voluntary

  • GI Critical Illness - 5 lives in most cases
  • Accident plans - 5 lives
  • Very competitive rates
  • Optional Reimbursement for not only wellness visits but also any doctor visits

Vision

Employer and Voluntary

  • Standalone plans down to 2 lives
  • VSP/Eyemed/Avesis/Spectera Networks