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Details of Participation & Underwriting Rules
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Tools to help you figure out how much you should get
Video on how much coverage for death protection you need
The best way to view the Participation & Underwriting Requirements for each company, is to get a
FREE quotation for your company,
then view the requirements for the companies whose plans & rates that you like.
Then Scroll down and click on this icon
You might consider paying 99% of the least expensive plan, so that ALL employees can afford it and then let those that want better plans pay the difference. Just Send us your DE 6 or 9 Quarterly Wage and Withholding Report, – we can work with you – to qualify by:
excluding part timers
those with other Group Employer – Spousal – or Governmental Coverage, etc. (10705 (g)) Thus an employer does not have to FORCE employees to take his plan, if the employee has other qualifying coverage. so that your company can qualify for the coverage that you need.
Our Quote Engine – on the “Agents End” can give you Employee Worksheets – showing the contribution for each employee for each plan that they might pick.
Enter your census or securely send us an excel spreadsheet or a list of employees and get instant proposals for CaliforniaSchedule a Skype, Phone or Face to Face meeting
Top 5 - 10 causes of Long Term Disability Claims
Lower back disorders ♦ Depression ♦ Coronary heart disease, arthritis and pulmonary diseases (Met Life) ♦ Disability Can Happen ♦ CDC Statistics

Click here to visit our website on Disability Payments - Insurance for Quotes and further information.