The following benefits are available:

• Life and AD&D Insurance
• Dependent Life Insurance
• Disability Insurance (short and long term)
• Extended Health Care Insurance
• Dental Insurance
• Critical Illness Insurance
• Optional Life Insurance
• Business Overhead Insurance
• Cost-Plus benefits

The key features that make this an attractive program are:

• Fully pooled ratings; specific firms are not targeted for rate increases due to claims use, making benefits affordable without the risk;
• Renewal stability; no large rate fluctuations year to year making it a budgetable expense;
• Guaranteed issue for Groups of 3 or more;
• Predefined Non-Evidence Maximums;
• Customized booklets;
• Many plan design options available to fit the Policyholders' needs.