Architects & Underwriters of Employee Benefits...

All Rights Reserved...Copyright 2003...Last Updated 07.15.03...License #0B97920

PRODUCT & UNDERWRITING GUIDELINES

Carriers & Product Portfolio

Stars Across America

Schools Excess Liability Fund

S.C.O.P.E.

Administration & Forms

Product & Underwriting

MGU of the West

Contact Us

Tribal Benefits

Physicians Choice Network

Text Box: Life & AD&D Product Guidelines

Stoploss & Disability Product Guidelines

       Group Size:

       Benefit Amounts:

       Benefit Durations:     

       Benefit Integration:

       Rate Guarantee:

 

Medical Stoploss

       Specific Coverage

       Group Size:

       Contract Periods:

       Deductible Options:

       Simultaneous Funding:

       Aggregate Coverage

       Group Size:

       Contract Periods:

       Monthly Accomm.:

       Features & Options:

50 to 5,000 eligible employees

Varies by group and participation

13 weeks to age 65     

Full or partial integration

One to three years

 

 

 

200 to 5,000

Paid, 18/12, 15/12, 12/12, 12/15, 12/18

$25,000 to $250,000

Available by carrier

 

200 to 5,000

Paid, 18/12, 15/12, 12/12, 12/15, 12/18

Available

Aggregating Specific

Retro Laser

Laser Pool

Split Funding

Voluntary Long and Short Term Disability

Short-term Disability

       Group Size:

       Benefit Amounts:

       Benefit Durations:

       Rate Guarantee:

       Benefit Integration:

       Rate Guarantee:

 

Long-term Disability

       Group Size:

       Benefit Amounts:

       Benefit Percentages:

       Elimination Periods:

       Benefit Durations:

       Benefit Integration:

       Rate Guarantee:

 

50 to 5,000 eligible employees

Up to $600 of weekly benefit

13, 26, or 52 weeks

One to three years

Full or partial integration

One to three years

 

 

50 to 5,000 eligible employees

Up to $15,000 per month

50%, 60%, 66 2/3% and 70%

30, 60, 90, 180 or 365 days

2-years, 5-years, 7-years and to age 65

Full or partial, based on the industry and needs of the group

One to three years