Portfolio Products
Guaranteed renewable with benefit flexibility and affordable premiums designed to help you meet the needs of middle-income consumers, whether sold individually or as part of an employee benefits program:
Accident Only Disability | |
Short-Term Disability | |
Long-Term Disability | |
Business Overhead Expense (BOE)* |
Benefit Riders
Riders help you include specific coverage that is important to your client. There are several riders at no additional cost. The product portfolio has nine base and eleven optional benefit riders available.
Hospital Confinement | |
Critical Illness | |
Return of Premium (Individual DI only) | |
Accident Medical Expense | |
Accident Hospital Confinement |
Underwriting Programs
For multi-life situations, you can offer products as employer-paid, employee-paid (voluntary) or a combination of both. Three underwriting programs give you the flexibility to meet employer needs:
Guaranteed Standard Issue (GSI) | |
Express Standard Issue (ESI) | |
Fully Underwritten | |