A GSI program, working in concert with a group long-term disability (LTD) plan, can help provide higher level of coverage for employees and can be implemented with limited underwriting and NO MEDICAL EXAMS.

While employer-paid benefits are valuable, the typical Group Long- Term Disability (LTD) benefit is only about 60% of regular income. And that benefit is usually taxable, so the Group LTD benefit replaces about 42% of regular income. Layering a guaranteed issue individual disability income insurance policy on top of Group LTD can help cover a greater percentage of high earning employees' income.

Key GSI Features:

• No medical underwriting
• Financial documentation limited to an employee census
• Unisex rates
• Premium discounts
• Policies are portable
• Carve-outs acceptable

GSI plans are available to as few as 5 employees, when mandatory, and 15 employees when voluntary. They can be employer-paid or employee-paid. GSI plans will separate you from the crowd and grow your disability business.

Want to learn more about GSI, listen to our short webinar:
Guaranteed Standard Issue: The Easy Way to Sell Disability Income
Or contact us to discuss GSI opportunities for your employer groups.