Products / Services Totally Sirius

The Totally Sirius program is a fully pooled plan available to groups with less than 10 employees.  By pooling the experience of all our small groups, we have been able to create a robust insurance program with affordable and, more importantly, stable rating.

Program Features are:

  • No industry or occupation will be declined a quote
  • 100% family content in a company or group accepted
  • Benefits available to self-employed people and companies with 1 employee
  • Full medical evidence of insurability required for companies with 1-2 employees
  • Guarantee issue for companies with 3 or more employees
  • Generous non-evidence maximums for Life and Long Term Disability
  • Comprehensive coverage options available under Extended Health Care and Dental benefits

In addition to the standard benefit offerings, such as Life, Disability and Extended Health Care and Dental, we offer:

  • Critical Illness Insurance
  • Enhanced Accidental Death and Dismemberment Insurance
  • Business Overhead Insurance
  • Health Spending Accounts
  • Cost-plus benefits
  • Out of Country and Trip Cancellation Insurance (automatically included in all Extended Health Care benefits)
  • Second Opinion Medical Services (automatically included in all Extended Health Care benefits)