Broad product portfolio

Our portfolio of group and individual products offers brokers options to create a benefits package that meets their clients’ unique needs.

Flexible benefit options for your clients

Group and individual products for your client's unique needs

Our group and individual product portfolios offer maximum flexibility to determine which voluntary benefits are the right fit for your clients. Guaranteed issue options are available across all product lines, and we can efficiently enroll both individual and group products on the same platform.1

We offer group and individual options on the following product lines:

  • Life (term, endowment at age 100 and universal, which includes accelerated death benefit for qualified long-term care services rider option)
  • Hospital confinement indemnity
  • Specified disease for critical illness
  • Specified disease for cancer
  • Short Term Disability
  • Accident

Both individual and group products have pros and cons, and it's important to weigh them when selecting the right product mix for your clients.

   Individual products Group products
Pros
  • Employee-owned
  • Employee can keep if they leave employer
  • Guaranteed renewable in most states
  • No participation requirements
  • No account-level rate increases
  • Employer-owned
  • More flexible underwriting than individual products
  • More flexible rates than individual products
Cons
  • Typically stricter underwriting
  • Typically higher-priced than group products
  • Limited rate flexibility
  • Group-level rate increases
  • Ported or converted at higher rates
  • Minimum participation requirements common

Create a strong service strategy

Product support tools and underwriting offers

We have a variety of tools and resources brokers can utilize as components of their client service strategy, including:

  • QuickQuote – Combines multiple product quotes into a single quote sheet to provide an at-a-glance reference for you and your clients. This is a field-enabled tool your benefits representative can use to quote any plan design option and state variation, and the quote sheet can be easily integrated into proposals.
  • Broker Block Summary – Shows products, in-force policies, premium and more for your block of business. This is a field-enabled tool your benefits representative can share to help support your rework strategy by helping identify gaps in client coverage and providing information to help inform conversations with your customers.
  • Underwriting offers – Available throughout the year to help simplify the process of adding voluntary benefits and make it easy as possible for employees to qualify for coverage.  

Your benefits representative can provide you with more information on any of these resources.

1 Account and case size limitations apply to guaranteed issue options. See your benefits representative for complete details.

The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable.