Our Worksite/Disability Plans

Group Critical Illness Plan

• Issue Ages 18-59 (Renewable to Age 75) based on 6 health questions
• Coverage begins immediately for all conditions except invasive Cancer and non-invasive Cancer in situ (reduced benefit for first 90 days of policy)
• Pays 100% of benefit for first-ever diagnosis/procedure of invasive Cancer, Heart Attack, Stroke, Major Organ Transplant, End-stage Renal Failure, Advanced Alzheimer's Disease, Major Burns, Paralysis and Coma.
• Pays 25% of benefit for first-ever diagnosis/procedure Coronary Bypass Surgery and non-invasive Cancer in situ
• Pays 10% of benefit for first-ever procedure Angioplasty
• Multiple Benefits for up to 3 different categories of  diagnosis/procedure
• Returns 100% of paid premiums upon death (any cause) less any benefits

• Available for small business owners with 10 or less employees
• Issue Ages 18-60 (Renewable to Age 65)
• Monthly benefits of $500-$10,000  with 30, 60 and  90 day elimination
• Covered expenses include employee wages/benefits, utilities  (including telephone), rent or mortgage payments, furniture/equipment payments, business property/liability premiums, property/payroll taxes, interest on debts, office maintenance services, accounting services, other fixed expenses generally accepted as tax deductible.