Requirements
Three (3) policies issued to individuals that share a common employer within twelve (12) months of each other, and
All applications must be placed with the same agent, Rip Curtis
Your employer is not involved and is not expected to even be aware of the opportunity. In order to prevent any impression of employer endorsement, no written materials are available.
Each individual must qualify, subject to financial and medical underwriting. This is not a guaranteed issue program.
What if I leave my employer?
Coverage and premium would remain the same.
If other people drop their policies, what happens to mine?
You keep it, unchanged. It is not necessary to maintain three participants.
These are individual policies with a non-cancellable guarantee, meaning that the insurer cannot change the terms or cancel your policy unless you request it. That protects you from what others do. That also means the premium cannot increase.
What if I'm the first or second person?
Your policy would - at first - be issued under normal gender distinct rates without a discount. When the 3rd policy is issued, all three policies are changed over to unisex and the lower premium then gets applied to all policies on a go-forward basis.
Do males save too?
Male savings are relatively small, like 1-5%.
Is there any disadvantage?
No, multi-life/unisex poses no disadvantage of any kind compared to buying a standalone policy. They are both individual policies and use the same policy form. The only difference is pricing.
Who is the insurer and what are the details of coverage?
It depends on which employer you're with. Your personalized proposal will provide details.
What is the process?
The first step is to call or fill out an intake form so that a proposal can be sent to you based on your needs and qualifications. The intake form will guide you through the possible sources of information insurers might use to make a decision, and your personalized proposal will tell you more specifically what will actually be required in your case.
At what point am I financially committed?
You can wait until you have your policy in hand to pay the first premium, and then there is a 30 day free look period for refunds. You can cancel a policy at any time.
Billing is direct to each individual unless an employer chooses to get involved.
What action do I need to take?
Call or fill out an intake form to get a proposal.