Benefits Basics
EasySend Production Application Link
Copy and Paste the company name "Dean & Draper" into the Employer field on the first page.
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People
80 EE's over 3 locations.
Payroll is semi-monthly or 24 pay
Company offers 35K basic life and a buy-up for Group life up to 150K GI.
Guardian Basic Life policy is Portable with EOI, while the Vol Life policy is Portable without EOI and may also be Converted to a whole life policy.
Situs: TX
Benefits Basics
Cincinnati Life is the only carrier
Enrollment is until October 8th with clean up until the 15th.
Payroll Deduction – SEMI-MONTHLY first deduction date is 11/15 Contract Date is 12/1 (Coverage is date of app)
PLEASE TRY TO SELL ALL WITH ADB AND WOP AND USE THE CORRECT RATES
Term Life / Term ROP
Whole Life 65 / 100
EasySend Production Application Link
Copy and Paste the company name "Dean & Draper" into the Employer field on the first page.
Rate Table\
Cash Value info\
CinFin Underwriting Handbook
Highlights
CinFin offers three comprehensive options:
"IF”: Term Life insurance provides guaranteed protection for a specified time period and pays a benefit if you die in this period of time.
“WHEN” Whole life insurance is permanent life insurance and costs more than term because the policy is designed to cover you for your whole life.
”THEN”ー Return on Premium life insurance with a money-back guarantee after the 20 years.
Employee Guarantee – any combination of WL/Term/Term ROP.
Ages 18 – 50 = $100,000 / Ages 51 – 60 = $75,000/ Ages 61 – 70 = $25,000
Spouse Guarantee Must work outside the home 20 hours or more per week
Ages 18 – 60 = $15,000 WL Products Only / Ages 18 – 60 = $25,000 WL/Term/Term ROP with stipulation that employee purchased on self. Non Working Spouse can purchase
Ages 61 – 70 = Simplified Issue
Dependent Children Guarantee
Ages 15 days – 17 years = $10,000 WL Products Only
Ages 18-25 = $10,000 WL Products or $25,000 of Term/Term ROP.**
**Choose one of these options for Guaranteed Issue
Must be Full-time Students, unmarried, and not in the military.
Grandchildren
Ages 15 days -18 years = Simplified Issue Whole Life Products Only
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April new hire:
Division 6 – WE Gibson Insurance
Shermin Noorani
Date of Hire: 4-11-2022
3745 Oldenburg Lane
College Station, TX 77845
Cell 346-803-7568