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Traditional Products

Specific:  Specific coverage is intended to protect employers on an annual basis, from large claims incurred by a covered participant, either employee or dependant. The insurance carrier will cover any claims above the specific deductible.

Aggregate:  Aggregate coverage is intended to protect employers from the frequency of claims across the entire population of covered employees and dependants under the specific deductible. A certain dollar amount is set (attachment point) that determines to what level of claims the employer will fund, any claims which exceed the attachment point will be covered by the carrier.

Advantages:

  • Lower premium payments
  • Cash flow flexibility
  • ERISA-based platform
  • Established performance

Please review the following related to our Traditional Specific and Aggregate Products: