Assurity
Medical Life
Safeco
USAble Life Accident Guard
USAble Life CancerCare Elite
USAble Life Critical Illness
USAble Life Hospital Indemnity

Assurity Accident and Hospital Indemnity
Available in all states

Highlights - Hospital Indemnity Plan
• Guaranteed Renewable to age 65
• Eligible for Guarantee Issue program
• Twelve month Pre-Existing Condition waiting period
• Basic Benefits: Hospital confinement daily benefit is sold in increments of $10 starting at $30 a day to a maximum of $250 a day. This plan does not pay in addition to Workers Compensation Benefits.
• Optional Riders:

How do I get a proposal?
There is no formal proposal for this product. Contact your Benefit Specialist or Insurance Coordinators at (866) 449-9777 for rates and marketing supplies.

What do I need to submit with a sold group?
Enrollment paperwork should be submitted to Insurance Coordinators. Effective date will be 1st of the month following submission to carrier. Forms are not available on-line. Contact your Benefit Specialist or Insurance Coordinators in Helena for enrollment materials.
 Employer Agreement
 Employee Applications
 Payroll Deduction Authorization
Make check payable to ASSURITY

What will a new sold group receive?
• Individual policies will be mailed to the agent by Insurance Coordinators for delivery to the group unless otherwise specified
• Group will receive bill in the month following policy effective date.
Agent will receive material within 45 days of submission to carrier

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Medical Life Critical Illness
Available in Montana, Idaho, Oregon, and Wyoming

Highlights / Additional Benefits
• Applications will be medically underwritten. Evidence of Insurability required.
• Benefit paid as one-time, lump sum if the insured undergoes a covered organ transplant or is first diagnosed with a heart attack, stroke, life-threatening cancer, or kidney failure. Cancer benefit is optional.
• Diagnosis of terminal illness not required.
• Spouse may apply for coverage if the employee does not apply for coverage.
• Benefit paid in addition to any other coverage insured may have.
• Benefits reduce to 65% of original benefit at age 70, 45% at 75, 30% at 80 and 15% at 85.
• Competitive non-tobacco and tobacco rates.
• Portability available at group rates
• The following industries must be submitted to the home office for underwriting: acid production; agricultural chemical/adhesives/explosives; asbestos products; hazardous chemical handling; industrial inorganic chemicals and mining.

How do I get a proposal?
Voluntary proposals are available on-line at www.med-life.com or fax or email an RFP to Insurance Coordinators with following information:
• Group name, city, state and zip
• Industry classification or SIC code
• Effective date of coverage Coverage(s) requested: cancer, non-cancer, both
• Agent Name
• Date proposal is needed
After receipt of required information, the proposal will be emailed to the agent within 2-3 days

What do I need to submit with a sold group?
Enrollment paperwork should be submitted to Insurance Coordinators 2 weeks prior to effective date.
 Completed, signed Group Enrollment Form
 Employee Enrollment forms
 Evidence of Insurability for each employee

What will a new sold group receive?
• Welcome letter from Medical Life
• Copy of policy and enrollment forms
• Benefit booklets to distribute to employees plus supply for future employees
• For List-Billed groups the bill will be sent under separate cover 7-10 business days after the administrative materials.
• For Self-Administered groups the online billing user ID and password will be received with the administrative materials. All membership will be keyed in by MLI for groups up to 200 lives.
Group will receive material within 30 days of submission to carrier

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Safeco Supplemental Life and Health
Select Benefits Indemnity Plan - Available in Washington and Wyoming
This new plan from Safeco is a True Indemnity plan that has more flexible and richer benefits.
Select Benefits Plan – Available in Montana, Idaho, Oregon and Wyoming
This plan is very similar to the Indemnity plan except the benefits are not as rich and it cannot be offered to associations.

Highlights
• No provider network is required. Participants may see the eligible provider of their choice.
• No medical underwriting except for late entrants. Late entrants are subject to medical underwriting on life and disability income benefits only.
• Covered medical expenses have no deductibles or co-pays. Some optional benefits such as dental and prescription drug options may contain deductibles and co-pays.
• All pre-existing limitations have been eliminated.
• Eligible benefits may be continued through COBRA.
• No administration fees. No additional charge for claims, customer service and COBRA administration.
• Plan provides supplemental coverage to hourly/salaried, full-time, part-time, seasonal and temporary employees.
• Premiums can be offered on a monthly or hourly premium basis.
• Maternity is covered as any other illness or injury.
• Select Benefits is a good complement to other employer-sponsered plans with high deductibles. This plan does not coordinate benefits. It pays regardless of other coverages.
• Allows employers to implement a benefit package that covers more routine services instead of not offering benefits to hour, part-time, seasonal and temporary employees.
• Can be used as interim coverage for employees who have a waiting period before major medical coverage begins.
• Hourly employee benefits are based on the number of hours worked per month.
• For the Monthly Core/Buy-up packages, employer chooses standard plan, core plan, and buy-up options; employee chooses to purchase buy-up options selected by employer.
• Three levels of coverage for hourly: Level I, 1-90 hours per month; Level II, 91-130 hours per month; Level III, 131+ hours per month.
• Must be sold as a stand-alone plan.

How do I get a proposal?
Contact your Employee Benefit Specialist or Insurance Coordinators at (866) 449-9777 for a customized quote. Please be prepared to answer to following questions:
• Where is the employer located?
• Number of full-time employees.
• Number of eligible employees.
• What is the employer’s industry?
• What is the employer’s name?
• What percentage of the premium will the employer be funding?
• What is the proposed effective date for the plan?
Your Benefit Specialist will assist you in finding the best mix of products to meet the needs of your client.

What do I need to submit with a sold group?
Submit to Insurance Coordinators 5-6 weeks prior to enrollment date:
 Participation Agreement
 Appropriate Legal Matrix
Submit to Insurance Coordinators 2 weeks prior to enrollment date
 Employee Enrollment Forms

What will a new sold group receive?
3 weeks prior to enrollment date the group will receive:
• Administration kit that includes:
• Summary of benefits
• Contract
• Claim forms
• Employee brochures
• Sample letters
• Employee enrollment forms
2-4 weeks after enrollment date the group will receive:
• Employee Certificates
• Select Benefits id cards

USAble Life Accident Guard
Available in all states

Highlights/Additional Benefits
• Coverage available for the entire family.
• Sports-related injuries are covered.
• Coverage provided both on and off the job.
• Lump sum payments paid directly to insured for injuries such as, but not limited to, dislocations, fractures, lacerations and emergency dental work.
• Annual wellness benefit.
• Premiums based on industry classification. Some industries excluded.

How do I get a proposal?
There is no formal proposal for this product. Contact your Benefit Specialist or Insurance Coordinators in Helena for rates and marketing supplies. (866) 449-9777.

What do I need to submit with a sold group?
Enrollment paperwork should be submitted to Insurance Coordinators 2 weeks prior to effective date. Forms are not available on-line. Contact your Benefit Specialist or Insurance Coordinators in Helena for enrollment materials.
 Employee Enrollment forms

What will a new sold group receive?
• Policies will be mailed directly to the insured’s home.
• Employer receives Underwriting Status Report with the first statement.
Group will receive material within 45 days of submission to carrier

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USAble Life CancerCare Elite
Available in all states

Highlights/Additional Benefits
• All benefits paid directly to the insured in addition to any other benefits received.
• Covers expenses such as transportation, lodging and new or experimental treatments not normally covered by health insurance.
• Coverage available for entire family.
• Annual wellness benefit.
• Three plans offering different dollar amounts with simplified underwriting.
• Guaranteed Renewable during insured’s lifetime.
• Coverage may be continued after age 65 as long as the premium is paid by the end of the grace period.
• Conversion without evidence of insurability available for spouses upon death of insured and for children upon reaching age when coverage terminates. Rates adjusted accordingly.

How do I get a proposal?
There is no formal proposal for this product. Contact your Benefit Specialist or Insurance Coordinators in Helena for rates and marketing supplies. (866) 449-9777.

What do I need to submit with a sold group?
Enrollment paperwork should be submitted to Insurance Coordinators 2 weeks prior to effective date. Forms are not available on-line. Contact your Benefit Specialist or Insurance Coordinators in Helena for enrollment materials.
 Employee Enrollment forms

What will a new sold group receive?
• Policies will be mailed directly to the insured’s home
• Employer receives Underwriting Status Report with the first statement
Group will receive material within 45 days of submission to carrier

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USAble Life Critical Illness
Available in all states

How do I get a proposal?
There is no formal proposal for this product. Contact your Benefit Specialist or Insurance Coordinators in Helena for rates and marketing supplies. (866) 449-9777.

What do I need to submit with a sold group?
Enrollment paperwork should be submitted to Insurance Coordinators 2 weeks prior to effective date. Forms are not available on-line. Contact your Benefit Specialist or Insurance Coordinators in Helena for enrollment materials.
 Employee Enrollment forms

What will a new sold group receive?
• Policies will be mailed directly to the insured’s home
• Employer receives Underwriting Status Report with the first statement
Group will receive material within 45 days of submission to carrier

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USAble Life Hospital Indemnity
Available in Montana and Wyoming

Highlights/Additional Benefits
• Pays a daily benefit for inpatient hospital confinement due to a covered or sickness
• Lifetime benefits are payable with no elimination period
• Plan can be customized to best fit your needs.
• Intensive care/coronary care benefit
• Surgical and anesthesia benefit
• Initial hospitalization benefit
• Outpatient physician’s treatment
• Conversion without evidence of insurability available for spouses upon death of insured and for children upon reaching age when coverage terminates. Rates adjusted accordingly.

How do I get a proposal?
There is no formal proposal for this product. Contact your Benefit Specialist or Insurance Coordinators in Helena for rates and marketing supplies. (866) 449-9777.

What do I need to submit with a sold group?
Enrollment paperwork should be submitted to Insurance Coordinators 2 weeks prior to effective date. Forms are not available on-line. Contact your Benefit Specialist or Insurance Coordinators in Helena for enrollment materials.
 Employee Enrollment forms

What will a new sold group receive?
• Policies will be mailed directly to the insured’s home
• Employer receives Underwriting Status Report with the first statement
Group will receive material within 45 days of submission to carrier

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