Traditional benefit plans leave a significant gap for C-Level executives and other highly compensated employees. This is exactly where Guaranteed Issue programs come in. We review your current disability and life insurance benefits and show you the gaps and the easy way to address them.

GUARANTEED ISSUE LIFE INSURANCE IS THE SOLUTION

Group life insurance is often a simple, standard better offered as part of an employee benefits package. However, these plans do not adequately cover executives and other higher income earners. Implementing a Guaranteed Issue Life Insurance program allows for a combination of group coverage and individual coverage. This is the most cost-efficient way of obtaining comprehensive life insurance coverage.

The result? Eligible employees receive individual policies that are fully portable, with guaranteed premiums, that are non-cancellable, with virtually no medical underwriting.  Many people are severely underinsured when it comes to life insurance, and they want an easy, efficient process to get coverage in place. This is the true power and value of Guaranteed Issue Life Insurance.

What is guaranteed issue life insurance?

A benefit program implemented in a white-collar company setting that provides individual life insurance policies that are fully portable to eligible employees.
A benefit program that can be designed for a subset of employees as an executive benefit.
Can be implemented anytime of the year, no need to wait for open enrollment. program.
A higher employee participation provides a higher benefit amount. The company is simply the conduit to implement the program.
Provides a fast, efficient implementation process with little to no medical underwriting.

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Why Guaranteed Issue Life Insurance?

Company provided group life insurance is simply not enough for executives and highly compensated employees.
Company provided group life is a great foundation, but every plan has limitations and policies are not easily portable.
Group life insurance plans typically offer a limited benefit and applying for additional coverage often requires medical underwriting. 
Some people would never qualify for a fully underwritten life insurance policy or may pay significantly higher premiums due to medical history. Guaranteed Issue Life Insurance eliminates the need for medical underwriting.

Guaranteed Issue Life Insurance

Guaranteed Issue Disability Insurance

Group Life Insurance

Group Disability Insurance

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