Enhance your benefit program and reduce post-retirement benefit pressures with no company funding cost.
 

Enable your employees to obtain a product design far superior to anything they would be able to get on their own.
 

Hybrid concept - Combines the advantages of Group Insurance with the features of Individual Insurance products.

Group concept – discounted group rates, group underwriting, and payroll deduction.

Individual aspects – portability, non-cancelable, and locked in group rates.
 

No government reporting or qualifications.