• Less stringent underwriting standards
  People who might have difficulty obtaining coverage at standard rates can be insured through group policies.
• Lower rates as a group
  Coverage is purchased as a whole entity under a master policy. In turn this results in attractive rates lower than individual policies.
• Protection against pre-existing conditions
  Coverage cannot be canceled because of deteriorating health conditions. Currently covered individuals cannot be denied coverage with renewal of master policy.
• Face amount of coverage
  Amount of coverage can be structured in various ways - i.e., flat amount, based upon annual salary, based upon job classification.
• Can offer additional coverage on a voluntary basis
  Employees can be offered an option to purchase additional coverage, at their expense, at rates lower than standard individual policies. Same protections against pre-existing conditions regarding group apply to voluntary coverage.

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