Category Group Insurance

The Key to getting the right Group insurance is necessary

As an employer how do you make both your external and internal clients happy? Finding the right employee to help you both grow and manage your customer is vital. How do we attract these magical unicorns we call valued employees? Finding and keeping good talent is no small feat. It is important that employees have the benefits they are looking for in an organization. Each employee has their own unique set of circumstances meaning health and finances could be a factor for them while they are looking for a potential employer. 

Making sure to ask employees what type of benefits are most important to them can be very effective in ensuring you attract the best talent possible. 

Employers can get a reputation amongst prospective employees as ones who don’t care about their employees, that is not a reputation you want as it can cost you exponentially in the future. Make sure you work to treat employees great and offer them the solutions they are looking for which means having the benefits they want. 

Determining which benefits to offer your employees can be perplexing, but getting with a licensed professional to discuss what employees are looking for along with the size of your group can all be factors in creating a plan that is a win for both employer and employees.  As an employer don’t be afraid to seek help in what type of coverages are available to your size of organization. There are many solutions that are available.

Taking an exam will be necessary

You will indeed need to take the exam if you apply for a standard policy. There are, however, a few businesses that provide life insurance coverage of up to $1 million without requiring an assessment. Furthermore, you are not need to take the exam to be certified for certain insurance, such as ultimate expense, which are issued on a simplified issue basis.

Would you purchase dog without first inspecting it? You would want to make sure it’s healthy and has all his shots and no major issues.  After all, you pass away soon after purchasing the coverage, insurers could be liable for millions of dollars. By performing an examination, they boost their chances and determine how dangerous you are to insure. Additionally, they take care to avoid covering unqualified people who might be suffering from a terminal disease or who are otherwise likely to pass away soon.

A third-party nurse will review the questions you answered on the application, take your height, weight, blood pressure, pulse, and other vital signs while also drawing a sample of your blood. Sometimes, depending on your age and the company, a urine sample and EKG will also be necessary. They will look at A1-C which determines your potential for Diabetes. There are many things they look at to determine if you are a good candidate for coverage. So making sure you get coverage while you are healthy and don’t have any pre-existing conditions