Small and Medium Enterprises

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Small and Medium Enterprises Coverage tailored to
your needs
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TARGET CUSTOMERS

• Ideal for small business of 5 lives plus -
  alternative to traditional group

ELIGIBILITY

• 16 to 64 years of age
• Not be hospitalized or disabled when the contract
  comes into effect

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• Reduced Medical underwriting up to specified
  limits
• Ability for each employee to purchase beyond the
  limits with health statements
• Same benefit selection as the Global Plan

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REDUCED MEDICAL UNDERWRITING FOR SME (Declaration
Required)
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• Benefit Selection with
• Reduced U/W
• Disability (1,300/mth or 1,500/mth)
• Term Life 65 (30,000 or 40,000)
• Term Life 65 for spouse (10,000)
• Monthly Indemnity(1,300/mth or 1,500/mth)
• Overhead Expenses (500/mth)
• Hospital Allowance (25/day)

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• Benefit Selection with
• Reduced U/W (cont)
• Extended Health benefit (regular or enhanced)
• Prescription Drugs (basic)
• Dental Care (no waiting period)
• Health Assistance (included with all benefits)

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SME Case 1

• Manufacturing Company (80 employees)
• Wanted to provide affordable coverage to the
  employees - giving each 1000 year to spend on
  benefits.
• Plan design mandatory 1000/month of Disability
  insurance for everyone (cost 200-350).
• Allowed the employees to personally choose their
  own coverage and have access to preferred medical
  underwriting

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SME Case 2

• Pizza Restaurant (5 lives)
• Father, mother, two sons, and cousin
• 100 family content
• Purchase the Global Plan SME. Each person had
  different benefits suited to their needs

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SME Case 3

• Banquet Hall (18 lives)
• Owner wanted a very inexpensive group type plan
• Owner purchased comprehensive coverage for
  himself, wife, head cook and head waiter and paid
  10/mth of benefits for the remaining staff
• Allowed the staff to have access to preferred
  medical underwriting for other benefits

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Marketing
Summary

• Flexible benefit selections for each employee
• No minimum employer contribution
• No sales tax
• Level premium option
• 100 pooled benefits
• Real estate, transportation, hair salon, farmers,
  non-profit firms
• Portable when you leave employer

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Marketing
Summary

• Quick issue
• No family medical history
• Unique CI Illness plan
• Number of coverages are great door openers
• Accidental benefits will enhance traditional DI
  plans
• Pooled benefits

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Health Dental
Many people cannot qualify for Health insurance
because of existing health issues.
?
You can now apply for a Blue Cross plan that
will cover the following benefits with no
medical required Total Monthly Cost 79.00
Did You Know
Example premium based on Single Male age
50. Spouse can be added for a small additional
fee. Quick issue policy. Simple health
declaration only.
Benefit Highlights

• Hospitalization
• Prescription Drugs
• Extended Health Benefits
• Ambulance
• Travel Insurance - 5,000,000

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Living Benefits
Many people cannot qualify for Disability
insurance because of their health occupation or
income.
?
You can now apply for a Blue Cross plan that will
cover the following benefits Total Monthly Cost
76.82
Did You Know
Example premium based on Single Male age
34. Spouse can be added for a small additional
fee. Quick issue policy. Simple health
declaration only.
Benefit Highlights

• Disability due to Accident/Illness - 1,000
• Critical Illness Assistance - 15,000
• Accidental Death - 50,000
• Modification to your car or residence - 15,000
• Medical Expenses due to Accident

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Trucking Industry
A plan that provides necessary medical protection
in the event of an accident
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Did You Know
You could now apply for this coverage for a total
monthly cost of 54.61
Example premium based on long distance trailer
driver, non smoker Single Male age 34. Spouse can
be added for a small additional fee.
Benefit Highlights

• Disability due to Accident - 2,000 per month
• Accidental Death - 100,000
• Accident Loss of Use - 100,000
• Accidental Fracture - 10,000
• Modification to your car or residence - 15,000
• Travel Insurance - 5,000,000
• Medical Expenses due to Accident

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Farming Industry
A plan that provides necessary medical protection
in the event of an accident
?
Did You Know
You could now apply for this coverage for a total
monthly cost of 47.41
Example premium based on Single Male age 30
farmer. Spouse can be added for a small
additional fee.
Benefit Highlights

• Disability due to Accident - 2,000 per month
• Accidental Death - 100,000
• Accident Loss of Use - 100,000
• Accidental Fracture - 10,000
• Modification to your car or residence - 15,000
• Medical Expenses due to Accident