Medical Life Insurance Company
Products to Meet Your Needs
Package Plan: For clients with 2 - 50 employees
Life/AD&D
Flat $15 000 of Life/AD&D benefit for $6.00 per employee per month Flat $25 000 of Life/AD&D benefit for $10.00 per employee per month
STD Package benefits available (must be sold with Package Plan Life/AD&D)
| Plan | 1/8/13 | 1/8/13 | 1/8/26 | 1/8/26 |
| Benefit | $200 | $250 | $200 | $250 |
| Cost ee/mo | $9.00 | $11.25 | $11.20 | $14.00 |
Trust Group Benefits: For clients with 2 - 9 employees
Life/AD&D
Custom designed benefit plans Flat or salary based benefits Guarantee Issue of $35 000 for Life/AD&D Maximum of $100 000 Life/AD&D benefit availableSTD - up to 66 2/3% of salary to a maximum of $500/week
LTD - 60% of salary to a maximum of $6 000/month - 90 or 180 day elimination period
True Group Benefits: For clients with 10 or more employees
Custom designed benefit plans for Life/AD&D, Dependent Life, STD and LTD
Discount Rating Strategy - For clients with 10 - 300 employees
Discount current Life/AD&D rates with other carriers for the same inforce plan by 10 - 15% Match current STD rates and plans
Voluntary Benefit Programs
Dental Indemnity USA Benefit
Voluntary Dental Plan available to groups of two or more with minimum of two participants Personal Choice of Dentist Two Benefit Levels - Silver Plan and Gold Plan Orthodontic Coverage Available for Children Preventive and Diagnostic coverage @ 100% of Fee Schedule Coverage for Minor and Major Restorative Dental Treatments
Portable Life, AD&D, STD, and LTD
Portable Life
Maximum of $500,000 of portable term life insurance for employees and spouses Guarantee Issue when participation requirements are met (see below) Accelerated Death Benefit Dependent Child(ren) Rider available: $5,000 or $10,000
AD&D
Benefits from $10,000 to $500,000 Individual or Family plans
STD
Up to $750/week available 13, 26 or 52 week plans No medical underwriting for STD (12/12 pre-existing condition limitation)LTD
Pays 60% of employee's monthly earnings Up to $5 000/month available Minimum benefit of $100 Maximum benefit of $8 333 4 Benefit plans available Pre-existing limitation 12/6/24 VA,DC,DE 12/12 MDVoluntary Life Insurance
Guarantee Issue Participation Requirements
Guarantee Issue will apply if 25% and 6 eligible employees enroll.
| Eligible Employees | Guarantee Issue Amount |
| 2 - 5 | Underwritten |
| 6 - 49 | $20 000 |
| 50 - 99 | $50 000 |
| 100 - 199 | $80 000 |
| 200+ | $100 000 |
| Spouse Under Age 60 | $20 000 |
| Age 60 - 69 | $10 000 |
| Age 70+ | Underwritten |