Group Life Insurance
About Group Life Insurance
The benefits are either a fixed amount, or a factor based on income. 
For quoting purposes , we ask that you submit a benefit list and we will submit electronically  to you a package and benefit cost. 
We are continually updating our data base as to companies and benefits so rates are subject to change at any time. 
Requested Individual Benefit packages 
Quoting information required. 
Life Insurance   flat amount $25,000 or 50,000 
Employer Benefits request ____________________ 
Company name _____________________________ 
Contact person ____________________________ 
Phone number ___________ 
Fax ____________ 
Email _____________________ 
number of years in business ____________________ 
number of employees __________________________ 
do you have a current insurance plan... _____________________ 
When do you  intend to implement a program 
ASAP ______________ 
1 month _________ 
2 month ________ 
3 months ______ 
later ________ 

It is understood that for companies that have an existing plan, claims experience is required to validate the competitiveness of the benefits, without this information, manual rates will be used which would anti select against a group that has low loss experience. 
Likewise a group with high losses which are not disclosed will anti select against the insurance company., 
We Pride ourselves in our custom quoting as having the ability to come in at the right price the right product and the ability to work with owners in cost controls to benefit both the employer and employee. 
Benefits you currently have , please circle. 
Life (amount i.e. one times earnings or a fixed amount i.e. 
25,000 or other. 
accidental death and dismemberment same amount as above or other dependent life 
 i.e. spouse,  5k,, or children (dependents) under the age of 21 2k.
 

Short Term Disability 
Benefits from 14 days to 120 days. 
This is for claims related to the inability to work due to a total disability. 
 
Long Term Disability  
Benefits commence after 121 days and continue for so long as the person is totally disabled until age 65 ,  or the benefit may be for a shorter period i.e. 5 years or two years depending on the request and type of labor of the company that you are involved in health care. 
This includes, hospitalization extra costs, paramedical services, pharmaceutical drugs, private duty nursing, etc.,  out of country coverage's, i.e., emergency medical service while outside your province of residence.
 
Dental benefits  
They may include, preventative care, i.e. x-rays, cleaning basic care, fillings, root canal, major, or restorative of the above may have a deductible, i.e. paid before any excess amount is paid by the insurance company,  and or a coinsurance clause, which means claims are paid up to the coinsurance limit, i.e. 80 % means that after the deductible is satisfied the claim will be paid up to the percentage of the coinsurance limit. 
Please submit the following if you wish to pursue a quote,  a professional from our office will call within 24 hrs to assist you for company sponsored benefit package. 
 

 
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