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