True Group Programs

• Benefits may be based on multiple earnings, flat amounts, occupations, etc.
• Liberal guarantee issue amounts
• Flexible age reductuions available
• Accelerated Death Before rider available
• Mulit-year rate guarantees available
• Supplemental Life/AD&D and Dependent Life available
• Education Benefit rider available
• Seat Belt Benefit rider available

Voluntary Programs

• Coverage is portable
• 20% minimum employee participation requirement
• Dependent coverage for spouse and children
• Simplified Plan for under 200 lives
• Extensive plan design options for larger groups