Get Quotes &
Details of Participation & Underwriting Rules

Rules Summary - Requires Broker Password
Rules Summary – Requires Broker Password

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.

Plan and Rate Details

Then Scroll down and click on this icon

Enrollment Eligibility


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 California
Enter your census and we will get right back to you with quotes


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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

Top 5 causes of Disabilty

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

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