• Coverage is offered on a simplified issue underwriting basis for all products except for accident expense which is always offered on a guaranteed issue basis.
• Simplified issue underwriting is offered to eligible employees, eligible spouses and eligible dependents up to established maximum coverage limits which can vary by group and product. Details on simplified issue maximum coverage limits are issued in the formal offer letter.
• For 3-9 eligible employees, required minimum participation is three eligible employee applications per product enrolled. For groups with 10-49 eligible employees, simplified issue will be allowed with a minimum of three applications if the requirement for guaranteed issue underwriting is not met. For groups with 50+ eligible employees, only guaranteed issue underwriting is available.