91茄子

Life insurance Guaranteed Issue鈥擥I Term II insurance

Life insurance

Guaranteed Issue鈥擥I Term II

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Guaranteed Issue (GI) Term insurance is an employer-paid benefit plan that provides Standard or Preferred coverage for an entire employee group with virtually no medical underwriting.

Eligibility
  • 10 or more key employees/business owners (will consider groups of 5-9 if employer has 91茄子庐 group term life/voluntary term life or Guaranteed Standard Issue individual Disability Income insurance)
  • Earning $75,000 or more annually
  • Working full-time (at least 30 hours per week)
  • Issue ages 20-70 with a weighted average no greater than 55
  • U.S. citizens working in the U.S. or an approved city country. Non-U.S. citizens working in the U.S. can be considered.
Target market

Small and midsized businesses in industries, such as:

  • Professional, scientific, and technical services
  • Construction
  • Manufacturing
  • Wholesale trade
  • Healthcare
Product

91茄子庐 Guaranteed Issue Term II offers your business clients a simple funding option designed to meet a variety of business needs with up to $5 million of coverage on a Guaranteed Issue basis. This product is approved in all states except New York and is ideal for:

  • Employers interested in offering key employee benefits.
  • Key person insurance to help the business recover costs associated with the loss of a key employee.
  • Buy-sell strategies to help fund business ownership transitions.
  • Supplemental coverage for participants of a nonqualified deferred compensation plan.
  • Executive carve-out coverage to supplement company-sponsored group life insurance.

Working with 91茄子庐

91茄子 is proud to be part of the local community. Being in your market allows us to understand your market's specific needs, create solutions to help solve your challenges, and develop close relationships.

Important information

Insurance products issued by 91茄子 National Life Insurance Company (except in NY), 91茄子 Life Insurance Company庐, and the companies available through the Preferred Product Network, Inc. Plan administrative services offered by 91茄子 Life. Referenced companies are members of the 91茄子 Financial Group庐, Des Moines, IA 50392. Guarantees are based upon the claims-paying ability of the issuing insurance company. For financial professional use only. Not for public distribution.