Complete and Complete Plus coverage is only available in a 60 day open window.

Essential and Essential Plus is guaranteed anytime.

Optimum – If you choose to apply for the Optimum level of coverage, complete a Form 2, Statement of Health. The Optimum plan is NOT guaranteed. You may be declined the Optimum plan due to medical condition(s) disclosed in medical history OR be offered the Optimum plan with exclusions on medication categories used to treat pre-existing conditions. Optimum is offered at the same cost as Complete. During the underwriting process for Optimum, you will be enrolled in the guaranteed option of your choice. Rates will be adjusted if applicable at the time of approval. If you are not approved for the Optimum this will not impact the guaranteed options available to you. 

Stated maximums are per benefit year, unless otherwise specified and apply to each plan member and insured dependent. 

The core $10,000 of life insurance, $1,000 per month of long term disability and $25,000 of Accidental Death Disease and Dismemberment is guaranteed in an open window. If you apply outside of an open window, you must complete a health questionnaire and approval for this coverage is subject to medical underwriting.

You have the option to increase your Life Insurance and Long-Term Disability as well as purchase additional coverage for a spouse and/or a child(ren). Form 3, 4, 5 and 6 are required.

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