GROUP LIFE/
AD&D

Key Life and AD&D Features:

• Liberal Maximums and Guaranteed Issue Limits
• Accelerated Death Benefit
• Enhanced Waiver of Premium
• Voluntary Life Available with:
  • $150,000 Guaranteed Issue on Physicians
  • $100,000 on other employees and $30,000 on spouses
  • Minimum participation of only one
  • Portable and convertible

SHORT TERM DISABILITY
(STD)

LONG TERM DISABILITY
(LTD)

Key LTD Features:

• Own Specialty and Sub Specialty for Physicians
• Two year own occupation for Staff Members
• Protection up to 66 2/3% to $15,000 (depends on income levels)
• Guaranteed Issue available (minimum 10 lives and dependent on income levels)
• MHA price discount
• Options/Riders e.g. Cost of Living Adjustment

VOLUNTARY LIFE
INSURANCE