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Client Landing

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Client Landing

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Client Landing

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Client Landing

Benefit Basics

CASE TERMINATED APRIL 1 2022

Falcon – Genesis Pro – Payroll Deduction-use "MF RJTRA" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Client is paying 100% of the MEC Choice + HI plan for EE only ($221.78/month)

Client Landing

Benefits Basics

Falcon: Genesis Pro: American National

Harmony: Colonial Life

MEC: Options PLus

Accident: American National

Critical Illness: American National

Hospital Indemnity: American National

Disability: American National

Dental: American National

Term-Life: American National

Whole Life: Colonial Life

People

Independent Realtors

Highlights

Standard practice will be to pair MEC Ultimate with MEC Plus ALWAYS

(We will sell MEC Ultimate standalone as an exception)

MEC Plus – Limited medical plan – limited menu of reimbursements

MEC Ultimate – Co-pay – greater range of services

How the MEC fits with the Voluntary for Value

Person only focused on baseline ACA-compliant catastrophic: MEC Plus only

Person wants budget ACA-compliant budget healthcare: MEC Plus + MEC Ultimate

Person interested in max expense fighting: MEC Plus + ACC, Flexcare, CI

ACH FILLABLE FORMS

American National

Options Plus

Client Landing

Benefit Basics

OE running from November 29 through December 13, 2021

Colonial GI with limits in place and built into Harmony

Harmony: Colonial + American Worker Health Options

HARMONY NAME: QLS INC 75

Landing Page: bnfts.us/qls

Accident from Colonial Life

Critical Illness from Colonial Life

Disability from Colonial Life

Hospital Indemnity from Colonial Life

Whole Life from Colonial Life

Health – MEC from American Worker

Health – Minimum Value Plan from American Worker

Dental from American Worker

Vision from American Worker

People

Highlights

Enroller Training Powerpoint 2022

https://docs.google.com/presentation/d/1cwMOCAjd2hUx2ZkJlY1pf-8bWFfl2Q6O/edit?usp=sharing&ouid=112954368578011843937&rtpof=true&sd=true

Open Enrollment Guide 2022

https://drive.google.com/file/d/15keaQboGu2jqscCriYWohefs2WnH5O5p/view?usp=sharing

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.

[Access the detailed script here](https://drive.google.com/file/d/1GkXWVE8wJlngvsPYrHJfPP3zArMBq7cQ/view?usp=sharing).

Ask the client which state they are in.

[Access the state-specific application.](https://bnfts.us/purpose-home-health-indiana)

[Rates Table](https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing)

[Purpose Home Census](https://drive.google.com/file/d/1LijwiTW9fY-HuDTgiG8RrWQ2HLYk095T/view?usp=sharing)

**Guaranteed Issue Rules**

**Employee – any combination of WL/Term/Term ROP.**

Ages 18 – 50 = $100,000

Ages 51 – 60 = $75,000

Ages 61 – 70 = $25,000

**Spouse ー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.

Ages 61 – 70 = Simplified Issue

**Dependents**

Ages 15 days – 17 years = $10,000 WL Products Only

Ages 18-25 = $10,000 WL Products or $25,000 of Term/Term ROP.**

Must be Full-time Students, unmarried, and not in the military.

**Choose one of these options for Guaranteed Issue

Grandchildren = Simplified Issue

Client Landing

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Client Landing

Marsh Fleet-Employer contribution of $100/month toward MEC coverage

Enroll in GenPro-use "MF PRIMA" for OP Case Code

Options Plus MEC

Delta Dental with VSP Vision

American National: HI, DI, CI, Life, and Accident

Client Landing

Benefits Basics-5/2-16/22 is the OE so guaranteed issue is available

Harmony: Colonial Life – THERE IS NO UPDATED CENSUS SO IF THE EMPLOYEE ISN'T IN HARMONY, YOU WILL NEED TO ENTER THEIR DATA

• Accident: Colonial Life

• Critical Illness: Colonial Life $30k for ee, 50% of ee for spouse and children (max $15k) Plan 2 (Lump Sum CI and Cancer) and plan 4 (cancer only) both have $50 Wellness

• Hospital Indemnity: Colonial Life Level 2 ($1000 Admission, Daily Hosp conf., Outpatient Surgery and Diagnostic options 1

• Disability: Colonial Life disability gi: 60% up to $4,000/month – see note below

• Dental: DO NOT ENROLL-TELL THE EMPLOYEE THEY HAVE AN EMPLOYER PAID DENTAL THAT THEY CAN ENROLL IN VIA THEIR ADP PORTAL.

\
700 eligible lives-census has been provided to Colonial to load into Harmony

Effective date: July 1

Some Employees are paid bi-weekly and some are semi-monthly but all deductions come out 24 times per year so use 24 pays per year for payroll mode.

OE is In May/June for July 1 plan year.

Medical SBC's (we do not enroll these plans…this is fyi only):\
CIGNA OAP Plan A ($0 in network deductible)

CIGNA OAP Plan B ($1000 in network deductible)\
CIGNA OAP Plan C HDHP ($1500 in network deductible)

–PMHCC provides an employer paid STD plan-30 day elimination with 9 week benefit. We can enroll Colonial STD and it will not coordinate with the employer plan.

–PMHCC has an employer provided dental and vision plan. Employees need to enroll using their ADP log in. There is no need for us to enroll Colonial dental/vision.

–PMHCC provides 2 times salary for life insurance and employees can enroll in supplemental term through that plan. – on ADP

The above is available to those employees who are considered full time-30 hours or more per week.

###

Client Landing

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Client Landing

Benefits Basics

Harmony: Colonial Life

Accident: Colonial Life

Critical Illness: Colonial Life

Hospital Indemnity: Colonial Life

Disability: Colonial Life

Cancer Care: Colonial Life

People

Highlights

Client Landing

Benefits Basics

Cincinnati Life is the only carrier

Cin Fin Script

Payroll Deduction Date 6/3

26 (Bi-weekly) pay. Please quote based on 26 pay on all applications. CONTRACT DATE IS July 1, 2022

EasySend Production Application Link

Copy and Paste the company name "Our lady of the Wayside" into the Employer field on the first page.

Rate Table\
Cash Value info\
CinFin Underwriting Handbook

Census 2022

In force policies 2022

Product Options: We will use ROP Term 20 and Whole Life to 100 exclusively for this enrollment

* ROP Term 20 for all ees under age 50 (or who will not attain age 50 by Feb 1st Contract Date

* WL 100 for all ees age 51+ (or will attain 51 by Feb 1st Contract Date)

* We are not using Term 10 or 20 as their group term will be viewed as cheaper, and we don’t want to confuse them with grp vs. individual term

* As discussed prior, buying some form of permanent coverage, even in smaller amounts will serve ees needs for the long term

2. Worksite Rate Sheets: We will use ROP T20 and WL rates with Waiver of Premium & Accidental Death Benefit and Children’s Term Rider if desired (see attached)

   * Broker sells a plan design which automatically includes waiver and ADB…as features that come with the face amount choice…he does not offer to add them, they are built-in

   * ROP T20 min face is $25k, and can be purchased at $50k, $75k, and $100k up to their age-specific GI limit…page 1-4 has highlighted plan design rates

   * WL 100 min face is $5k, and can be purchased up to $100k s/t age-specific GI limit…pages 13-16 has highlighted plan design rates

   * The rates reflect semi-monthly mode as client on a 24-pay basis

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.

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

Client Landing

Marsh Fleet group with employer contribution of $100/month toward any coverage

Enroll in GenPro (under Nineteen 2022 in GenPro)-use "MF NINET" for OP Case Code

Options Plus MEC

Delta Dental with VSP Vision

American National: HI, CI, DI, Life, and Accident

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Client Landing

National Maintenance Census

Cincinnati Life Application: https://bnfts.us/national-maintenance-cinfin-app

Rate Tables: https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing

ACH client NO PAYROLL DEDUCTION. ACH form here: https://drive.google.com/file/d/1TzsWz-B_tOdpwMTXcxnDKa0nDn1gsFHB/view?usp=sharing

CinFin Official Script

CinFin Underwriting Handbook

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.

[Access the detailed script here](https://drive.google.com/file/d/1GkXWVE8wJlngvsPYrHJfPP3zArMBq7cQ/view?usp=sharing).

[Access the state-specific application.](https://bnfts.us/mount-zion-school-district-illinois)

[Rates Table](https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing)

[MTZ Census](https://drive.google.com/file/d/1UEjRe_Vfr9Rfw3iKZsITjU6naCXeXHap/view?usp=sharing)

**Guaranteed Issue Rules**

**Employee – any combination of WL/Term/Term ROP.**

Ages 18 – 50 = $100,000

Ages 51 – 60 = $75,000

Ages 61 – 70 = $25,000

**Spouse ー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.

Ages 61 – 70 = Simplified Issue

**Dependents**

Ages 15 days – 17 years = $10,000 WL Products Only

Ages 18-25 = $10,000 WL Products or $25,000 of Term/Term ROP.**

Must be Full-time Students, unmarried, and not in the military.

**Choose one of these options for Guaranteed Issue

Grandchildren = Simplified Issue

We will be enrolling Cincinnati Life and as a new offering and re-enrolling Colonial.

**To enroll Cincinnati Life**

[PDF application](https://docs.google.com/document/d/1RXdp_vATuIAQjfsQ4SGPbaJWbyRMmHtcmA_DGS_ShqQ/edit?usp=sharing): Open this link to capture the employee’s info and choices.

[](https://bnfts.us/miers_cinfin_lifeapp)

[Full Cincinnati Life Script](https://docs.google.com/document/d/1MienApJU7v85sQnqJ5-UsuRiqXzDd91ll-ddi8_3hQU/edit)

[Cincinnati Life Rates Age Tables](https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing)

[Miers Census Info](https://docs.google.com/spreadsheets/d/17itB3wQ3YMQl0QOT8OlFOYvd0xlx1UXBo11aET8h7mc/edit?usp=sharing)

**When filling out an application:**

– Click Tab to move forward to the next fillable section. If you click on the box, helpful hints will assist

– Shift+Tab will move you back to the previous cell

– Space bar will fill in check bo with an “X”

– #13 “Optional Benefit Riders – Accelerated Benefit is always included at no cost.

– Click the Signature box on page 3 and you will see how to sign an application

• Spousal over 50K will require a signature, Meridio to manage. Please advise employee that we will be contacting them.

– Leave Agent Code blank

**To enroll Colonial Life**

Login into Harmony.

Client Landing

Benefits Basics

Open Enrollment running 9/7/21 through 9/17/21-Harmony will show guaranteed issue limits for life, critical illness, and disability

Census is loaded into Harmony but will not include SSN so be sure to collect it at time of enrollment

Current elections will show in Harmony for those who already participate

Make notes in Kustomer of results of any calls

Harmony – Colonial Life

Accident: Colonial Life

Critical Illness: Colonial Life

Hospital Indemnity: Colonial Life – Med plan deductible is $1000/1500 PPO and $2000 for the HSA. Out of pocket ranges from 4K-12K depending on coverage. Use to cover the gap

Disability: Colonial Life – LTD after 90 days, use STD to cover the gap

Whole Life: Colonial Life – Only are offered 1X salary for Life, reduces by 55% at age 70. Does not go with them if they leave or Terminate.

PDF of Benefit Book for reference

People

Messiah is a senior living employer.-about 250 employees

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Client Landing

Benefits Basics

Cincinnati Life is the only carrier

Term Life

Whole Life

https://bnfts.us/Maryhaven-CinFin-app

Rates Table

CinFin Underwriting Handbook

People

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.

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

Client Landing

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Client Landing

Benefits Basics

Cincinnati Life is the only carrier

Cin Fin Script

EasySend Production Application Link

Copy and Paste "Legacy Employer Solutions PEO" into Employer field on first page.

Please keep in mind that most EE's from Legacy are 24 or 48 pay. The rate tables are not going to give you those rates. Please use the Weekly rate, multiply by 12, then divide by 24 o 48 to get the correct rate.

BiWeekly/Weekly 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.

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

Legacy for August 1, 2022

https://docs.google.com/spreadsheets/d/1ci6B7G1OHrKpdVFs2k6knm7fFHB2a1iJ/edit?usp=sharing&ouid=112954368578011843937&rtpof=true&sd=true

Legacy for September 1, 2022

https://docs.google.com/spreadsheets/d/149rPJNyr9WufM_EIkRx22lYvol6s2F6Z/edit#gid=2096479165

Legacy for October 1, 2022

https://docs.google.com/spreadsheets/d/1alGb4w8WUF8D-Ys3UgZA6SQlfze_99hgjo1fqFSrFgo/edit#gid=988705002

Client Landing

Benefits Basics

Enroll in Harmony:

Colonial Life (ACH with Piedmont Pays)

Accident

Critical Illness

Short-term Disability

Whole Life

Hospital Indemnity

Options Plus MEC-(ACH with Ameriworks)

BenAdvance:

Healthcare from BCBS – If they are interested, Refer to broker:

Tim Varone

timvarone49@gmail.com

732-742-2503

Or

Kurt Solomon

kurt.solomon@benadvance.com

People

Association members are event professionals. Live events are hard hit by pandemic.

Budget healthcare options and mental health benefits are important to this group.

Highlights

Healthplan Info – https://drive.google.com/file/d/1ve-P72M2AfFrrdkhbLuNCqXKDZQc_aNo/view?usp=sharing

Client Landing

All Voluntary enrollment with Colonial Life. Benefits will be deducted via payroll deduction.

Benefits are offered Post tax.

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Client Landing

enrolled in Employee Navigator

Client Landing

Benefit Basics

Falcon – Genesis Pro – ACH (JAB is enrolled under Marsh Fleet – ACH)

When Enrollment is complete in Genesis pro, ACH (NO credit cards)must be taken in Ameriworks here for American National and Options Plus MEC

https://ameriworks.force.com/s/login/

PLEASE PUT THE NAME OF THE MARSH COMPANY “JAB” IN THE OCCUPATION FIELD IN FALCON

PUT "AMERIWOR" IN THE OP CASE CODE

AMERIWORKS DEDUCTION DATE = THE 15TH OF THE MONTH AFTER THE EFFECTIVE DATE

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

bnfts.us/jab-express

Client Landing

Benefits Basics

Mec No longer offered

Accident: Colonial Life

Critical Illness: Colonial Life

Hospital Indemnity: Colonial Life

Disability: Colonial Life

Term Life: Colonial Life

Whole Life: Colonial Life

Dental: Colonial Life

People

Highlights

Client Landing

Benefit Basics

Falcon – Genesis Pro – Marsh/HLB 2022 – Payroll Deduction with Employer Contribution-use "MF HLB" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Employer will pay $350/mo towards benefits for employees.

Client Landing

HBA – Home Builders Association

Colonial – Accident, DI, HI, CI, and Life (ACH through Piedmont Pays)

Options Plus MEC – If ACH – via Ameriworks

Options Plus Dental/Vision – if ACH – via Ameriworks

\
Enroll in Harmony (HBA of Chester and Delaware Co) for Colonial and Options Plus MEC and Options Plus Dental/Vision

Client Landing

Benefits Basics

Cincinnati Life is the only carrier

Term Life

Whole Life

Return on Premium Term Life

https://bnfts.us/hawkinson-nissan-kia-application

Rates Table

https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing

People

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.

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

Client Landing

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.

[Access the detailed script here](https://drive.google.com/file/d/1GkXWVE8wJlngvsPYrHJfPP3zArMBq7cQ/view?usp=sharing).

Ask the client which state they are in.

**Click below for the specific state applications**

[California](https://bnfts.us/group-one-california)

[Florida](https://bnfts.us/group-one-florida)

[Massachusetts](https://bnfts.us/group-one-massachusetts)

[New Jersey](https://bnfts.us/group-one-new-jersey)

[Ohio](https://bnfts.us/group-one-ohio)

[Texas](https://bnfts.us/group-one-texas)

[Rates Table](https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing)

[Group One Census](https://drive.google.com/file/d/1LDrCLzECYephLyNOEj5NGGYYnzMuIqKI/view)

**Guaranteed Issue Rules**

**Employee – any combination of WL/Term/Term ROP.**

Ages 18 – 50 = $100,000

Ages 51 – 60 = $75,000

Ages 61 – 70 = $25,000

**Spouse ー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.

Ages 61 – 70 = Simplified Issue

**Dependents**

Ages 15 days – 17 years = $10,000 WL Products Only

Ages 18-25 = $10,000 WL Products or $25,000 of Term/Term ROP.**

Must be Full-time Students, unmarried, and not in the military.

**Choose one of these options for Guaranteed Issue

Grandchildren = Simplified Issue

Client Landing

enroll under Guardian Care Advisors in Harmony

this is an ACH case-complete Piedmont Pays ACH information

all Colonial coverage: Dental, Life, Accident, DI, CI, HI

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction with Employer Contribution-use "MF GOMEZ" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Employer will pay $150 towards MEC costs.

Client Landing

GROUP TERMINATED 030122

Benefit Basics

GenPro-ACH – enroll under Glidefast 2022 (starting on December 1, 2021)

American National – Ameriworks ACH should be take via Ameriworks site after the enrollment elections are taken

AMERIWORKS DEDUCTION DATE = 15TH OF THE MONTH FOLLOWING EFFECTIVE DATE

Client Landing page:

bnfts.us/glidefast

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

IT Consulting Firm 150 Lives consisting of Glidefast and Pharicode

Highlights

Initial Enrollment: Client currently has UNUM Term Life that is being discontinued. Am Nat Term should be a better option cost wise, it’s also Portable where the UNUM was not. Currently have no Term or DI.

Client Landing

Enroll in Harmony

Individual

Accident

Short Term DI

Term Life

Whole Life

Client Landing

Benefit Basics

Falcon – Genesis Pro – under Foothills Shipping 2022-Payroll Deduction with Employer Contribution-use "MFFOOT" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Employer will pay 25% towards MEC costs for EE only. ($40.50/month)

c5fccc3f-7cf6-11eb-a769-440f211878ff

Client Landing

Scheduling

https://bnfts.us/familychoice

###

Benefit Basics

Employee Navigator- Ameritas, Allstate, OptionsPlus

MEC: Options Plus

Whole Life: Allstate

Critical Illness: Allstate

Disability: Allstate

Accident: Allstate

Hospital Indemnity: Allstate

Dental: Ameritas

Vison: Ameritas

People

Three different firms under 1 umbrella:

Family Choice, PRN, and Allied

Highlights

Employer Paid Base MEC EE only – people can buy up.

Client Landing

Benefits Basics

Falcon-Genesis Pro- AmNat-MassMutual

\
Critical Illness: American National

Flexcare – American National

Term Life: American National

Whole Life: Mass Mutual

Accident: American National

People

W-2 Full-time and part-time employees

Highlights

For full-time employeesー DOP pays for $2000 of CI coverage. People can buy up.

Client Landing

Benefits Basics

Cincinnati Life is the only carrier-employees are paid semi-monthly (15th and last day of the month)

Term Life

Whole Life

Return on Premium Term Life

Application

Rates Table

CinFin Underwriting Handbook

People

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.

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

Client Landing

Benefits Basics

Falcon- Genesis Pro- American National and EASE

To enroll American National ACH

https://ameriworks.force.com/s/login/

Group of Real estate agents, all ACH, no payroll deduction.

Accident from American National

Critical Illness from American National

Hospital Indemnity from American National

Disability from American National

Health care via Ease includes Dental – Link to Ease plan below. If someone is interested, we can send the link.

TO ENROLL IN EASE PLANS

Customers can follow this link to enroll in the Ease Health Plans

www.1enrollment.com/CounselorRealty

RX0415 – Adina Hamilton

RX0416 – Sara Hernandez

RX0417 – Lori McCassie

RX0418 – Susan Yetter

Lineup

American National and EASE Medical/Dental

People

84 share holders + 50 Associated

Situs: MN

Client Landing

Benefit Basics

Falcon – Genesis Pro under Cortez Trucking 2022– Payroll Deduction with Employer Contribution-use "MFCORTE" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Employer will pay $100 towards MEC costs.

Client Landing

OE from 8/9-8/20/21

GI for all employees with GCC (Critical Illness)up to $25k max., GMB 7000 (Whole Life) and Whole Life 5000 for the upcoming August enrollment. Whole Life 5000 GI limits are:

Employee age 18 – 50 – $5k – $150k face amount

Employee age 51 – 60 – $5k – $75k face amount

Employee age 61 – 79 – $5k – $25k face amount

Enroll in Harmony

Colonial: Accident, Whole Life, Hospital Indemnity, Critical Illness

Payroll deduction…first pay in September (there are two bi-weekly pay cycles so keep it generic)

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Client Landing

Employees will pay directly via Colonial Life and Piedmont Pays.

There is a wide range of typical earnings (eg. administrative services vs. police/fire with overtime).

Client Landing

Benefits Basics

Cincinnati Life is the only carrier

Term Life

Whole Life

https://bnfts.us/City-Hope-Cinfin-app

Rates Table

People

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.

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

Client Landing

Each employee must make election or waive on Medical/Dental/Vision

All Employees are 26 pay

**Employee**

• Any Cherry Hill Crowne Plaza Hotel employee working 30-hours or more

**Medicare Eligible Employees**

• Medicare participants can enroll in the Medical plan

• Anyone participating in Part A **cannot contribute to or have contributions made on their behalf** to a Health Savings Account (HSA)

**Dependents of Eligible Employees**

• Dependents under the age of 26

• Mentally or physically disabled children over the age of 26

• Please contact provider for further details regarding their eligibility

[Crowne Plaza Membership Listing](https://drive.google.com/file/d/16ACGjxOzV7OKVKR9r77ry9_0rbMvJLQc/view?usp=sharing)

[AFLAC In-Force](https://drive.google.com/file/d/13OoKZnf4j_yrpeWn6qnIAOhy9ZpQJVa_/view?usp=sharing)

**Sample Rates & Pricing**

*Based on 26 pay periodー for Avg 45 year old non smoker -*

10K CI for $6.95 per pay (or $3.50 a week)

Hosp Indemnity $500 admission, $100 per diem – $4.62 per pay (or $2.31 a week)

50K Whole life – $36.40 per pay ($18.20 week)

Disability- $2000 month for $26.31 per pay ($13.15 week)

Client Landing

Benefits Basics

Employee Navigator: AFLAC & Medical

Medicial

Accident: Aflac

Critical Illness: Aflac

Hospital Indemnity: Aflac

Whole Life: Mass Mutual

People

Employer is a defense contractor.

Multiple states

Highlights

Client Landing

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Client Landing

Benefits Basics

Falcon – USE Genesis Pro CCRES 2021-2022-American National / Options Plus MEC and Dental with Vision

MEC: Options Plus

Dental with Vision: Options Plus (Delta Dental and VSP Vision)

Accident: American National

Critical Illness: American National

Disability: American National

Hospital Indemnity: American National

Term Life: American National

For employees that don’t work over the summer, CCRES sends them a bill directly for their benefits when they are not being paid. They can also opt out for the couple months they are not working and then re-enroll when back to work.

Please provide each participant with their benefit election form via email after the enrollment session and put it in Kustomer.

People

CCRES employs over 1,200 behavioral health and educational staff who support over 1000 children in school, home and community settings.

Bi-weekly payroll, payday Friday, PT eligible over 30 hours/week for MEC and dental with vision, 20 hours/week for VB

Highlights

• Client is paying $65 monthly towards MEC / Options plus plan

• Standard practice will be to pair MEC Ultimate with MEC Plus ALWAYS

**How the MEC fits with the Voluntary for Value**

Person only focused on baseline ACA-compliant catastrophic: MEC Plus only

Person wants budget ACA-compliant budget healthcare: MEC Plus + MEC Ultimate

Person interested in max expense fighting: MEC Plus + ACC, Flexcare, CI

Client Landing

Benefit Basics

CASE TERMINATED APRIL 1, 2022

Falcon – Genesis Pro – Payroll Deduction with Employer Contribution-use "MF CAERU" for Op Case Code (space between MF and CAERU)

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Employer will pay 50% of MEC costs for EE only ($81/month).

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction with Employer Contribution-use "MF BFE (leave a space between the MF and BFE)" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Client pay 50% of premiums up to $300/month for each employee's elections-MEC and voluntary.

Client Landing

Benefits Basics

Cincinnati Life is the only carrier

Enrollment dates – Monday April 26th thru Friday May 21

Term Life

Whole Life

Application Link

https://bnfts.us/Bestway-Trucking-Cinfin-app

Rates Table

Rate Sheets with riders

CinFin Underwriting Handbook

• Cincinnati life Deduction date June 4, 2021 (first pay period of June)

• Cincinnati life Contract date 7.1.21 (Employee does not need to know this)

• Effective date is the day they sign the application.

People

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.

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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Client Landing

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Client Landing

Cincinnati Life Application:

https://bnfts.us/American-Homestar-Cinfin-App

Rate Table:

https://drive.google.com/file/d/1aikMM_-cblkvylgesjJ_HcIvMIQh7OAr/view?usp=sharing

Client Landing

April, 2021 is the OE/Reservice for this group.

Enroll in Harmony. Emphasize Disability as they don't have any at Agentis or any sick days.

Client Landing

Meridio Welcome

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction-use "MF 1078" for OP Case Code

MEC: Options Plus,

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction-Use "MF4TA" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Client Landing

PSI Vet Case-no employer contribution

employees are paid bi-weekly

enroll on BMP

Vault MEC

Five Star: Life, Accident, and Hospital Indemnity

Client Landing

Benefits Basics

Cincinnati Life is the only carrier

Cin Fin Script

Pay is Bi-Weekly, first deduction date is 3/3/2021

Partners are paid the last day of the Month (12 pay)

Term Life / Term ROP

Whole Life 100 / Whole Life 65

Application Link

https://bnfts.us/WarnerNorcrossJudd-Application

BiWeekly/Weekly Rate Table\
Cash Value info\
CinFin Underwriting Handbook

Official Script

Census is here

Inforce employees

People

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.

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

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction-use "MFDESER" for Op Case Code

MEC: Options Plus – NO EMPLOYER CONTRIBUTION

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

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Client Landing

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Client Landing

Enrollment in GenPro system https://genpro.americannational.com/

Put "06AMERIW" in Case Code

American National – Accident, DI, HI, CI and Life (ACH – via Ameriworks)

Options Plus MEC, Dental, and Vision – ACH – via Ameriworks

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction with Employer Contribution of $63/month toward MEC coverage. Use "GFLOR" for OP Case Code

MEC: Options Plus

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Client Landing

Realtors -\
Enroll in American National VB or Options Plus MEC on Genesis Pro (Weichert 2022) enrollment system

Ask which office and put in case code in Gen Pro

• AmNat ACH through Ameriworks Please make deduction anywhere from 1-15th of the month

• MEC with Options plus ACH Information should be entered here (Find your designated sheet) and add Checking Account information

• Dental and Vision with Options plus ACH Information should be entered here (Find your designated sheet) and add checking account information

If Medical, BenAdvance Website for rates: www.brokerexchanges.com/weicherthealth

For CIGNA or BCBS Vision and Dental, any one interested should be sent to Kurt at:

Kurt Solomon

Sr. Sales Representative

BenAdvance

201-355-3493 ext. 102

888-402-2862

kurt.solomon@benadvance.com

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Client Landing

Marsh Fleet

Enroll in GenPro-Use "MASSCAP" for OP Case Code

Payroll-no employer contribution

Options Plus MEC

Delta Dental with VSP Vision

American National: CI, DI, HI, Life, and Accident

Client Landing

Benefit Basics

Marsh Fleet-ACH

Options Plus MEC

Delta Dental with VSP Vision

Enroll in GenPro under Marsh ACH and put "Robinette" in the occupation field.-Put "ACH" in OP Case Code

Collect bank account information in Ameriworks for VB and on the sheet for OP

American National: CI, DI, HI, Life, and Accident

Client Landing

employer cancelled plans August 1, 2021

Marsh Fleet-enroll under Marsh/ACH but do not put MEC premiums in ACH…only voluntary benefits.

Employer is paying 100% of MEC + HI premiums. Two business partners are being paid for by the company.

For ACH employees: Put "ISEGA" in the occupation field

Use "AMERIWOR" in the OP Case Code in GenPro.

Options Plus MEC

Delta Dental with VSP Vision

American National: CI, DI, HI, Life, and Accident

Client Landing

Benefit Basics

Falcon – Genesis Pro under Citizen 2022 – Payroll Deduction (no employer contribution)-Use "CIT TRUC" for OP Case Code

MEC: Options Plus

EFFECTIVE MARCH 1, 2022 – DO NOT OFFER Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction with employer contribution…see highlights-use "IJN" for OP Case Code

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

###

People

Marsh Fleet small business client

Highlights

The employer will pay for MEC Superior for employee only at $162/month ($37.38/week). If an employee wants to cover dependents or purchase the higher MEC, the employer will put the $162/month ($37.38/week) toward that upgraded coverage.

Client Landing

Marsh Fleet Case-Payroll Deduction though NO EMPLOYER CONTRIBUTION

Options Plus MEC

Delta Dental with VSP Vision

American National Voluntary products: CI, DI, HI, Life, and Accident

Enroll in Falcon/GenPro-use "MF STR8" for OP Case Code

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction (no employer contribution)

MEC: Options Plus

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

LB Express Delivery – use "LB EXPRE" in OP Case Code (space between LB and EXPRE)

JB Express Delivery – use "JB EXPRE" in OP Case Code (space between JB and EXPRE)

Two related companies- Employees work for either. Ask employee what company they work and then enroll them under the correct company in Falcon.

Highlights

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CAIPA: the employer is paying for Options Plus MEC coverage only on their two employees. Do not offer voluntary benefits. Enroll using Harmony under CAIPA. Put "Amy S Chu Wong" in Occupation in employee record.

Benefit Basics Amy Chu – see notes above in Details

Options Plus MEC-only product being offered to this group-no voluntary

Client Landing

Colonial – Accident, DI, HI, CI, Dental, and Life (ACH through Piedmont Pays)

Options Plus MEC – If ACH – via Ameriworks\
Enroll in Harmony for Colonial and Options Plus MEC and Options Plus Dental/Vision

BenAdvance Reference Based Products: https://brokerplusgroup.myfor.ms/form-5843449/benadvance-phq

Group Code – NAT2866 / Broker Code AGNJ9999

Please put BSNY4567 in the enroller code section of the application

\
Pricing for Reference based products: https://drive.google.com/file/d/15EXOm2pggTnIh8EXi8v57KxyIPjFj1V9/view?usp=sharing-Review Plan and fill out app as "Enroller" or give link to employee and they can fill out as "Employee"

NTCA Training Slides

Client Landing

Benefit Basics

PSI Vet Case:

Enroll on Benefits Manager Pro

Limited Medical: Vault

Life: 5Star

Hospital Indemnity: 5Star

Accident: 5Star

People

Highlights

Employer is paying for $100/month toward benefits for participating employees

Employees are paid bi-weekly

Client Landing

Benefit Basics

Falcon – Genesis Pro – Payroll Deduction-use "MF MNPMS" for OP Case Code

Visit https://bnfts.us/mnprojectmgt

Call 1-844-926-2917

MEC: Options Plus – NO EMPLOYER CONTRIBUTION

Delta Dental with VSP Vision

Term Life: American National

Hospital Indemnity: American National

Critical Illness: American National

Disability: American National

Accident: American National

People

Marsh Fleet small business client

Highlights

Client Landing

Benefits Basics

Enrolled on GCG Employee Navigator with Harmony plug in for Colonial products

https://gcg.employeenavigator.com/benefits/Account/Login

If the employee resides in NY, you will not be able to enroll Colonial Whole Life, Accident, Disability, or CI. Waive the benefits to finish out the record. They can enroll in Colonial Dental.

IF YOU ENROLL SOMEONE AND THE BENEFIT CONFIRMATION FORM (BE SURE TO SEND TO EACH PARTICIPANT) AND SEE THAT THE EFFECTIVE DATE FOR MEC IS DIFFERENT FROM THE EFFECTIVE DATE FOR ANY OTHER PRODUCTS, NOTIFY TAMMY RIGHT AWAY.

2022 Open Enrollment (July 1, 2022)-premiums for all MEC elections are lower than last year. Passive enrollment…all elections stay the same unless a current participant makes changes…no need for a life event.

MEC: Pure Health (July 1, 2021-added a new EAP to the MEC ) – this is a brand new benefit that is attached to the MEC plans starting on July 1, 2021. It is not optional. Please review the EAP benefit with each employee.

MEC: two plans from Pure Health – website: gotpurehealth.com

Accident: Colonial Life*

Critical Illness: Colonial Life*

Disability: Colonial Life*

Whole Life: Colonial Life*

Dental with Vision Rider: Colonial Life

* please remind the employee that these products are completely portable if they leave KNA with no change in premiums or amounts of coverage. they can set up direct bill and continue having the plans in place that will pay in addition to anything their new employer may offer (this is common with Tesla and Impossible Foods folks who currently work for KNA but may get hired by the company they are temping for).

People

Landing Page: bnfts.us/kna

Highlights

Key language for summary

This is enrollment for MEC and Voluntary.

Colonial Benefits will be deducted via Piedmont Pays on a weekly basis. – Please make sure to tell employees that the MEC deductions are taken pre-tax and that they can only change if they have a life event or when the next OE occurs

This will resemble a payroll deduction.

Voluntary Benefits are offered Post tax.

The benefit statement only shows monthly premiums for all coverages and enrollers send that statement to the employee so they have to explain this very clearly.

The monthly medical premiums will come out of your second paycheck each month and your deduction will be $____. (THIS IS FOR ALL EMPLOYEES)

Colonial coverage will come out of your paycheck on a weekly basis and your weekly payroll deduction will be $_.

(the enroller will need to take the monthly deduction they see in the system, multiply by 12 and divide by 52 for the weekly deduction).