Direct Benefits - providing agents with multiple short term medical plans and options

Testimonials

Short-Term Disability

Illinios Mutual Life Insurance Company

Group Size: 20+

States Available: All except: AK, CA, HI, MT, NH, NY

Highlights:

Voluntary Short Term Disability

No employer contribution required
Guaranteed Issue available on group sizes 100+
Maternity leave covered as any other illness after a nine month waiting period beginning on the date the application is signed.
Waiver of Premium included at no additional cost
Affordable and Flexible coverage levels with Benefit Periods from 3 � 60 months and Elimination Periods from 1 � 180 days.
Individual policy that is Guaranteed Renewable to age 72 and portable.
Non-Occupational and 24 hour coverage available

Reliance Standard

Group Size: 2+

States Available: All

Highlights:

Small Group (2-9)

Large Group (10+)

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 except CA, CT, HI, NJ and NY
	Highlights:
	Employer-Paid Short-Term Disability Only 25% employer contribution required Guarantee issue starts at 3 lives Plans can be bought seperately or together Voluntary Short-Term Disability Only 3 lives needed to enroll, regardless of group size Maximum flexibility-Eight plan designs & Ten benefit levels available $10,000 AD&D benefit included for each employee Dual-option for groups 100+

	Kansas City Life
	Group Size: 2+	Forms
	States Available: All
	Highlights:
	Employer-Paid Short-Term Disability Flexible Employer Sponsored Plans All Guarantee Issue Two Year Rate Guarantees Available to qualified groups Easy claim forms : One claim form when STD and LTD are sold together

	Principal
	Group Size: 3+	Forms
	States Available: All
	Highlights:
	Employer-Paid Short Term Disability Flexible and affordable plan designs available- allowing the employer to build a disability solution that is right for them up to a 70% benefit up to a $2,500 maximum weekly benefit elimination periods from 1 - 30 days customizable benefit duration options to integrate with LTD coverage Telephonic Employee Assistance Program included Top-notch in-house claim management and rehabilitation services Single claim form when STD and LTD are both sold with Principal Online claims status 24 hours a day