EP-Group-Life---ADD

EMPLOYEE BENEFITS &

INSURANCE SPECIALISTS/BROKERS

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JT WORTHY CONSULTANTS

*If your rates have remained level upon renewal(s) then you most likely paid too much for the previous year.

*Employers who provide Group Life benefits for their retirees find it more difficult to get competitive rates.

*If your claims are not almost equal to the amount of premiums paid, your premiums are most likely too high.

*The best time to actively seek competitive quotes is upon “each” renewal.

In our experience, we constantly see employers spending 25% more than whats necessary for their Group Life benefit. We have not only been successful at lowering overall rates substantially, but we can generally guarantee the savings for at least 3 years. In addition to this, we can also increase the guaranteed issue limit and the total amount of coverage, when desired.

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About JT Worthy

Why Use JTW

Basic Group Life & AD&D benefit is generally the least costly of all benefits. As a result, employers generally do not pay as much attention to the competitiveness of these rates.

Many times this product is underwritten simultaneously with other ancillary products. In these situations, underwriters will generally increase the Group Life rates in order to spread the risk of the less stable ancillary product(s) such as Long Term Disability.

In these cases, employers are paying higher premiums than necessary for their Group Life & AD&D.