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Product Offerings Group Individual

Life (Term) 

Assurity
  • 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 

Assurity
  • 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 

LifeSecure
  • 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 

LifeSecure
  • 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 

LifeSecure
  • 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 

Assurity
  • 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 

Dental
  • 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 

Vision
  • 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
LIFE(TERM) ACCIDENTALDEATH AND DISABILITY ACCIDENT CRITICALILLNESS HOSPITALRECOVERY DISABILITYINCOME DENTALCARE EYECARE Individual Product Offerings
 

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