Flexible Benefit Options for Your Clients

Group and Individual Products for Your Client's Unique Needs

Our group and individual product portfolio offers 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.

Group Products

Pros

  • Employer-owned
  • Underwriting is more flexible than with individual products
  • Rates are more flexible than with individual products

Cons

  • Group-level rate increases
  • Ported or converted at higher rates
  • Minimum participation requirements common

Individual Products

Pros

  • Employee-owned
  • Portable
  • Guaranteed renewable in most states
  • No participation requirements
  • No account-level rate increases

Cons

  • Typically stricter underwriting
  • Typically higher priced than group products
  • Limited rate flexibility

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