|
What You Need to Plan for in 2021 |
Life (Term)
- 10, 15, 20, & 30-year term periods
- Accelerated underwriting
- Optional Return of Premium Benefit
- Optional End of Term benefit converts to permanent life policy without additional underwriting
Accidental Death and Disability
- One health question and same-day issue for most E-apps
- Standard accidental death issue-amount up to $350,000 with flexible design options
- Optional return of premium rider
- $300-$1,800 of accident only disability monthly benefit (90 day elimination period with 2 year benefit
- Guaranteed renewability
Accident
- For policies with $500 deductible: $2,500 - $25,000 Benefit Bank options for individuals (up to $50,000 for families) paying cash benefits directly to policyholders, regardless of any other insurance
- Disappearing $100 deductible feature
- Benefit payout based on actual amounts charged rather than a schedule
- Guaranteed Issue with no coordination of benefits & 24-7 coverage on AND off job
- Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Critical Illness
- 18-70, guaranteed renewable to age 75
- Benefit amounts range from $5,000 to $50,000
- Dependent children coverage = $2,500 at NO additional cost
- 9 covered conditions
- Re-occurrence & return of premium benefits built-in
- Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Hospital Recovery
- Guaranteed Issue from age 64.5 to 65.5 & Simplified Issue for all other ages with rider options for design flexibility
- $100 - $900 Daily Benefit Amounts, in $10 increments
- Coverage up to 35 days per year, includes up to 4 days of treatment in observation unit
- Eligible ages between 18-85; guaranteed renewable for life
- Only the insurance policy can give you actual coverage amounts, terms, conditions, limitation and exclusions. LifeSecure Insurance Company – Brighton, MI. For agent use only. Not for solicitation purposes.
Disability Income
- Simplified Issue Amounts $300-$3000 in $5 increments; max 60% of monthly income with benefit periods of 6 months, 1 year or 2-year options
- Simplified Issue Features include: Quick Issue Process, partial disability benefit augments your pay when returning part-time to work and coverage of pregnancy complications
- Century+ Monthly issue limits from $500 - $20,000 with benefit period of 1 year, 2 year, 5 year or 10 year, to age 65 and 67
- Century+ Features include: One Occupation upgrade for the self-employed, 2 year Own Occupation Definition, Home Modification, Survivor and Vocational Rehabilitation benefits
Dental Care
- Affordable plan designs offer array of coverage options
- Huge PPO network lets you choose from nearly 3.400 dentists in Michigan and more than 118,000 unique dentists in 440,000 locations throughout the U.S.
- Per-claim participation arrangement means non-PPO dentists can participate
- All plans include required pediatric dental coverage
- Dental wellness center provides lots of information related to oral and overall health
Eye Care
- Adult-only vision plans can be purchased alone or with dental
- Coverage includes exams, lenses, frames
- VSP’s network provides an abundance of eye care professionals, including the highest number of private practice eye doctors in the industry
- One ID card for medical and vision
- Connections to overall health
|
Millennial Health Insurance Guide |
|
Encourage Vision Well-being |
|
Understanding Cracked Teeth |
|
Specialty Benefits and Planning for the Unexpected |
|
Encourage Employees to Establish Good Oral Health Habits |
