1. A census of all covered employees. The census must include: name, date of birth, gender (M/F), status (single, couple or family), monthly or yearly salary (if you need disability coverage), employee state of residence and home zip code.
2. A copy of your current benefits: medical, dental etc...
3. If you have any benefit changes, please give me that information so that proposal can be tailored to your current or future requirements.

• High quality coverage(s) from a first rate leader in employee benefits
• A national company with over 100 years tradition of strength and stability
• Lower premiums - Take advantage of our cross selling discounts
• Lower expenses
• Packaging permits softer renewals of all product lines
• One billing statement
• Simplified administration and claims processing
• Expertise of professional, experienced sales & support staff
• Superior case management
• Enrollment & ongoing service assistance & Employee benefits hot line

We offer a complete portfolio of quality products, and we're constantly pioneering the development of new dynamic products and services to respond to consumer's contemporary needs. We give you the flexibility to choose the ideal benefit package for any size group, from 2 to 20,000 employees or more.

The insurance companis we work with have a claims turnaround time that is one of the fastest in the business. Not only are we fastest, we're also consistent, fair and accurate. Claims systems administer all claims according to your plan's specific provisions.

• Many Combinations of plans that have $250, $500, $1000, $2500 or higher Deductible and 100%, 90/10%, 80/20% Co-insurance plans.
• Family Deductible Options Available. Two or three family deductible
• Preventive Care Benefits (If your state mandates coverage - it's already included.)
• Preventive Care Benefits can be written with the Deductible waived.
• Prescription Drug Card Benefits are available with $5, $10, $15 , $25 & more...
• A variety of Dependent Age Limits are available.
• Calendar Year or Policy Year Carry-Over Deductible Options.

• Minimum Participation: 35% or 10 enrolled employees, whichever is greater
• One of the largest nationwide PPO networks in the industry
• #1 in fully insured new business plan cases and best premiums for the past 7 years.

• Minimum Participation: 15% or 10 enrolled employees, whichever is greater ($2,500 annual premium minimum).
• 30% enrollment gets you an employee non-medical amount of : 50-99 lives $25,000, 100-249 lives $50,000
• We offer Group Universal Life (GUL) with Optional Life on groups of 50+ lives. Combined participation requirement and combined non-medical amounts.

• 10 or more eligible employees when tied to our Dental or Medical. 100 or more eligible employees when tied to another carrier's voluntary Dental or medical. 500 or more eligible employees for stand alone policy
• Largest vision care network with over 22,000 provider locations nationwide
• Average in-network savings is 27% greater than average retail chain

• Minimum Participation: 25% participation or 10 enrolled employees, whichever is greater.
• Available to groups of 10 or more lives
• Compatible claims administration for STD and/or LTD plans written with us

• Available to groups of 50+ lives
• Premium Only or Premium, Dependent Care & Medical Reimbursement
• Dependent Care/Medical Reimbursement costs $4- $6 per month per participant in flex plan.