No medical underwriting is required to cover members in a custom-defined class such as:
All exempt employees
All employees and owners after "x" months of service
Small groups (2-9 members) must cover all members working 30+ hours / week.
Allow employees to purchase disability insurance with discounts and relaxed underwriting.
Individual products may be proposed if the situation calls for it. Three (3) or more participants are required to start, but this does not have to be maintained in order for individuals to renew coverage. If you don't want to administer payroll deductions, billing will be direct to the individual.
Availability is subject to state approval. MassMutual and Ohio National do not offer group insurance - they have employer sponsored individual programs.
To begin the Request For Proposal (RFP) process, answer a few questions about what you're looking for.