Products: Term | Annuity | Long Term Care | Group Benefits



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Companion Life

• True Group (10+ Employees), Trust Group (2 to 9 Employees) and Voluntary products

• Completive and flexible dental plans with unique lifetime deductible get your group clients more dental coverage for their money

• True Vision Plans available with dental plans or on a stand-alone basis

• Discount Vision Plans Included on ALL dental plans

• Strong commissions offered only through the Palmer Agency

• Life, Dental, Disability and Accidental Death and Dismemberment programs.

• Bonus opportunity and easy to qualify for annual trips

• A + Rated

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Shenandoah

Shenandoah Life

• True Group (10+ Employees), Trust Group (2 to 9 Employees) and Voluntary products

• Excellent Choice for voluntary groups. True Group benefits for groups with at least 10 eligible but no matter what the size of the group, only two need enroll to write the group

• A - Rated

• Flexible plans options for true group and voluntary dental

• Competitive plans for group disability and life

• Bonus and trip opportunities



 

 

 



Sun Life Financial (Formerly Genworth Financial)

• Life, Disability and dental with competitive rates

• EZ Choice product is the easiest enrollment you will ever do

• Guaranteed issue life of $25,000 down to 2 employees, with $50,000 for 6 employee and more for ten or more

• Dental plans with no networks and vision available

• Guaranteed issue life, short & long term disability down to two lives

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• EZ Choice Life • EZ Choice Dental & Vision • EZ Choice Short-Term Disability • EZ Choice Long-Term Disability

 


Securian Dental


• The combined the strengths and resources of Securian Life and DeCare Dental Health International, LLC created Securian Dental, an affordable, easy-to-understand dental program for small groups of two employees to large groups

• Securian Dental offers a variety of voluntary and employer-paid indemnity dental plans. Our indemnity plan is a traditional fee-for-service plan with complete freedom to use any dentist in America

• Unbeatable Dental Rates!

• Employer-sponsored plans are not contribution driven – they are participation driven! This means if we receive 60% participation, we can write the case as “employer-sponsored” even if the employer does not contribute toward the cost!

• No Census needed to quote contributory or voluntary plans

• No waiting periods for virgin dental groups on employer-sponsored (non-voluntary) plans with 5 or more employees! !

• Flexible Plan Designs & Dual Options Available

• Custom plan designs available to fit the dental needs of any size group

• Worldwide coverage: English-speaking customer service representatives are available 24 hours a day, seven days a week, to help members arrange emergency dental care in 137 countries through Europ Assistance. (This benefit is automatically included for all individuals covered under a Securian Dental plan.)

• Securian Life is authorized to conduct business in 44 states and in the District of Columbia, and is recognized by A.M. Best with an A (Excellent - third highest of 16 categories) rating. Securian Life is an affiliate of Securian Financial Group of St. Paul, Minnesota. DDHI is an affiliate of DeCare Dental, which currently provides dental benefits to 3.9 million individuals

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Reliance Standard Life


• Industry Leader in Group Disability and Life

• Small Group Ancillary Specialist featuring competitive, unique and guarantee issue LTD, STD and Life plans for groups of 2 or more and Dental plans for groups of 3 or more

• Extremely simplified and easy to use application with no employee signatures required

• Extremely fast case turnaround. Once the application and check is delivered here to the Palmer Agency, we can submit online and provide a policy number within a day!

• Market-best small group disability solution with guarantee issue coverage, a liberal pre-existing disability benefit and a 3 year own-occupation definition of disability. Disability coverage available for 90% of industry classifications with standard coverage available to traditionally harder to place industries such as contractors and truckers

• Guaranteed-issue life amounts of $50,000 for groups of 2-5, $75,000 for groups of 6-9 and $100,000 for groups of 10 or more

         • Guaranteed-issue LTD benefit amount of $7500 for all sized groups, and STD benefit amount of $1500 for all sized          groups

• Dental coverage available with freedom to use any dentist or with significant network discounts

• Class carve-out coverage available down to 2 lives for LTD, STD and Life and down to 3 lives for Dental

• Bonus Qualification with just 7 lines of coverage produced in a calendar year!


Links:
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Lincoln Benefits (Formerly Jefferson Pilot Financial)


• Ancillary (non-medical) group and worksite products, including life, long-term disability, short-term disability and dental

• Lincoln Benefits is one of the fastest growing and most technologically advanced employee benefit providers in the market. With financial strength, strong ratings and superior products, everyone benefits.

• A + + rated !

• The "Cadillac" of disability plans

• Unique processes that maintain a single, coherent view of the customer and drive high levels of electronic efficiency

• Flexibility of plan design

• Clients have easy web-based administration


Mutual of Omaha

Mutual of Omaha Employee Benefits


• Employer paid and voluntary products include Life, Long-term disability, short-term disability and dental

• Highly rated, strong, stable, and secure

• Unparalleled broker support for implementation, enrollment to renewals

• Flexible plan designs to meet every group's needs

• Easy web-based administration



Links:
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• Mutual of Omaha Three Reasons to Choose • Mutual of Omaha Strong Stable Secure • Mutual of Omaha LTD • Mutual of Omaha Voluntary STD

 



VSP Vision


• Employer Paid, contributory, or voluntary vision plans starting at 10 lives

• VSP is the nation's largest provider of eyecare wellness benefits

• Received the highest award for Service Quality Excellence by the Service Quality Measurement (SQM) Group, which specializes in benchmarking and tracking contact centers' service quality performance

• VSP Offers the largest nationwide network of eyecare doctors -- over 21,900 doctors, located in rural and metropolitan areas throughout the nation. In fact our doctor network is so comprehensive, that more than ninety percent of members have access to a VSP doctor within ten miles of work and home

• One-stop shopping with both eyecare and retail vision care services at all doctor locations

• Plans covers exam, lenses, and frames with varied frequencies so you can find a plan to fit your client's needs and budget

• Vision plan may be tied to any dental or medical plan you sell

• Accurate, easy-to-use services, including online eligibility management and ready-to-use member communications

• Convenient, secure around-the-clock access on vsp.com for members to find a doctor or view benefits information and eligibility, with no claim forms to fill out or membership cards to carry


Links:
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Avesis Vision


• Vision plans for groups starting at 10 lives or 5 lives if the plan is tied to a dental or medical plan

• Exams, lenses, frames and discounts on laser vision correction included

• Variety of copays and allowances for services

• Benefits provided for in or out-of-network providers


Links:

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