Guaranteed Standard Issue (GSI) provides our clients with an ability to add individual policies without the need for medical evidence. Policies are guaranteed to be issued on a standard basis and discounted for groups of more than 15 individuals.

Employer Advantages:

• Gives a positive corporate impression
• Reduces corporate liability
• Determines corporate philosophy for partial disabilities
• Levels future cost of LTD and reduces reliance upon variable cost of LTD

Employee Advantages:

• Enhances the existing LTD benefit
• Protects total income, including bonus, commissions, etc.
• Allows for cost of living adjustments
• Increases the non-evidence level