Guaranteed Coverage Without Medical

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
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