UNDERWRITING GUIDELINES

• Medical Conversion is available in most states
• Minimum group size is 50 covered employees (varies by state based upon Small Group Reform laws)
• Life Insurance is optional
• “Actively at work” requirements are waived subject to a claims disclosure report
• Extensive accepted industry list including municipalities, schools, hospitals, physicians, and trucking firms
• Minimum participation is 75% of eligible employees and 50% of eligible dependents
• Will accept HMO penetration
• Maximum 10% COBRA and 10% non-Medicare primary retirees