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Life
Spirit Life
Group Size: 2+ Forms
States Available:All but CT, MA, ME, NC, NE, NH, NJ, NY, RI, and VT
Highlights:

Employer-Paid or Voluntary Life
  • Only 2 enrolled employees required
  • $10,000 Guarantee Issue with Buy-up Flexibility
  • Affordable Brochure Rates
  • Simple Enrollment Process
  • Fully Insured by Security Life Insurance
  • Consolidated billing with Spirit Dental & Vision


Illinios Mutual Life Insurance Company
Group Size: 20+
States Available: All except: AK, HI, NJ, NY, PA
Highlights:

Interest Sensitive Whole Life
  • No employer contribution required
  • Guaranteed Issue available on group sizes 100+
  • 75% Accelerated Death Benefit included at no additional cost
  • Spouse, Child and Grandchild coverage available with or without employee participation
  • Individual permanent coverage that is portable.
  • Affordable premiums
  • Accumulation of cash value that earns a guaranteed minimum interest rate of 4%.
Additional Optional Riders:
  • Accidental Death Benefit
  • Child Insurance
  • Term Insurance
  • Waiver of Premium

Reliance Standard
Group Size: 2+ Forms
States Available: All
Highlights:

Small Group (2-9)
  • Guarantee Issue available
  • Waiver of premium provision included
  • 1X earnings, 2X earnings, or Flat amount of coverage available
  • Maximum benefit is $150,000
Large Group (10+)
  • Dependent Life Available
  • Accelerated Death Benefit
  • Smoke-Free and Wellness Program Discounts
  • Waiver of Premium (with a Critical Illness Benefit)
  • Conversion Feature
  • Bereavement Counseling
  • Flexible Benefit Schedules of Flat or Multiples of Salary
  • Worldwide Travel Assistance program
Check out their products: RelianceStandard.com

The Standard
Group Size: 2+ Forms
States Available: 2-9 employees all states but NY, 10+ employees all states
Highlights:

  • Employer and Employee Paid options
  • 75% Accelerated Death Benefit
  • MEDEX® Travel Assist: Helps employees with medical care situations and other emergencies when they travel more than 100 miles from home or internationally
  • Waiver of Premium
  • Standard Secure Access: Gives beneficiaries the ability to have benefits of $10,000 or more deposited into an interest-bearing checking account enabling them to earn interest while weighing the important financial decisions that often follow a death

    Additional Options

  • Portability
  • Expanded AD&D
  • Line of Duty Benefit for all types of Public Safety Officers (Police, Fire, Judicial, etc.)
  • Seat Belt and Air Bag Benefits
  • Family Benefits Package (Higher Education, Child Care Benefit, Career Adjustment Benefit)

Check out their products: www.Standard.com

Companion Life
Group Size: 2+ Forms
States Available: All
Highlights:

Employer-Paid Life
  • Only 25% employer contribution required
  • Guarantee issue starts at 3 lives
  • Plans can be bought seperately or together
Voluntary Life
  • Male/Female Rates - usually lower than smoker/nonsmoker
  • Only 5 lives required to enroll, regardless of group size
  • Guarantee issue for groups with 10 or 25% enrolled
  • $10,000 to $300,000 available for most industries

Kansas City Life
Group Size: 2+ Forms
States Available: All
Highlights:

  • Employer Sponsored Plans and Supplemental Life Plans
  • Flexible and rich plan designs: flat amounts, percent of salary or combination of both
  • Multiple Year Rate Guarantees Available
  • Guaranteed issue benefit

Principal
Group Size: 3+(employer sponsored)
and 10+(voluntary)		 Forms
States Available: All
Highlights:

Life (Employer Paid/Voluntary)
  • Comprehensive employer sponsored life programs
  • Flexible voluntary life programs
  • All life programs offer a variety of benefits and features that can be tailored to a client's needs