Enroller Info | Benefits Guide

Enroller Information

Individual Short Term Disability Insurance

Accident Insurance

Accident insurance can pay a benefit directly to you if you suffer a covered injury. It can offset the high cost of co-pays, deductibles and other expenses your medical insurance doesn’t cover.

Key Points:

Pays a lump-sum benefit based on type of injury sustained and treatment needed
Covered injuries include broken bones, cuts, burns, eye injuries, ruptured discs, coma, etc.
Benefit can be used however employees choose
Benefit can never be "used up." If you are especially unlucky and have to get stitches twice in a month, or if you break your leg one day and your arm a year later, it's all covered.

Accident Insurance

Medical Insurance: Terms & Resources

MetLife Wellness Benefit Claim Form

Unum Wellness Benefit Claim Form

Unum Accident Insurance

MetLife Accident Insurance

Guardian Accident Insurance

Critical Illness Insurance

Critical illness insurance can pay a lump sum benefit at the diagnosis of a covered illness. You choose the level of coverage, and you can use the money any way you see fit.

Every 34 seconds someone in America will have a coronary event.
Every 40 seconds someone in America will have a stroke.
The risk of developing cancer during a lifetime is nearly 1 in 2 for men and 1 in 3 for women.

Key Points:

Critical Illness Insurance

Unum

Critical Illness Insurance

MetLife Critical Illness Insurance

Guardian Critical Illness Insurance

Hospital Indemnity Insurance

Your medical insurance covers many of the costs associated with a hospital stay and outpatient surgery, but what you may not know is that you could still be left with significant out-of-pocket expenses. Those expenses include things like Medical insurance deductibles, copays, and alternative treatments. Don't forget about less-obvious expenses you may incur: childcare, transportation to health facilities, and diagnostic tests.

Key Points:

Hospital Indemnity Insurance

Unum Hospital Indemnity Insurance

MetLife Hospital Indemnity Insurance

Guardian Hospital Indemnity Insurance

Individual Short Term Disability Insurance

If you got hurt or sick and couldn't work, could you afford to pay your bills?

Disability Insurance pays a portion of your lost income if you suffer a covered disability.

Key Points:

Indivudal STD Insurance

Unum Individual Short Term Disability Insurance

MetLife Individual Short Term Disability Insurance

Guardian Individual Short Term Disability Insurance

Whole Life Insurance

Whole life is an insurance contract with level premiums that has both an insurance and an investment component. The insurance component pays a stated amount upon death of the insured. The investment component accumulates a cash value that the policyholder can withdraw or borrow against.

Key Points:

A majority of owners (53%) say a major reason they have life insurance is to cover their funeral and final expenses.

http://www.thinkadvisor.com/2013/01/18/limra-70-of-americans-fail-life-insurance-iq-test

70% of Americans failed a recent 10-question basic Life Insurance IQ test

LIMRA Study published 4/5/2016: 2016 Life Insurance Barometer Study, Life Happens

Of the total individual policies purchased in 2015, 38% were term life vs permanent life, which came in at 62%.

https://termlife2go.com/life-insurance-statistics-top-facts-and-data/

Whole Life Insurance

Unum Whole Life Insurance

MetLife Whole Life Insurance

Employee Flyer (???)
FAQs (???)
Sample Contract

Guardian Universal Life Insurance

Term Life/AD&D Insurance

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Key Points:

38% of Americans haven't bought life insurance or more of it because they're unsure of how much or what type to buy

LIMRA Study published 4/5/2016: 2016 Life Insurance Barometer Study, Life Happens

70% of U.S. Households with children under 18 would have trouble meeting everyday living expenses within a few months if a primary wage earner were to dit today.

LIMRA Study published 4/15/2015: 2015 Life Insurance Barometer Study, Life Happens

Some sources suggest that less than 2% of term policies ever result in a death claim.

http://www.huffingtonpost.com/wm-scott-page/the-life-insurance-indust_b_1937246.html

Term Life

Medical Insurance: Terms & Resources

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