Stay up to date with the American with Disabilities Act with this informative material from UNUM Provident Americans with Disabilities Act >> Group Life MetLife is the leading provider of Group Life Insurance, with more than $1.9 trillion of group life insurance in force 1 and over 38,000 Group Life customers, covering more than 29 million participants2. Our financial strength and experience allow us to offer you several group term life insurance options (based on individual state requirements.) With over 25 years in the business, Golden West Dental has recruited the highest quality private practice dental offices in California to participate in their prepaid plans. Their bilingual member service teams are available to help with enrollment questions or provider selections. With a 24-hour turnaround, their claims department has been recognized by industry peers as being one of the most efficient in terms of speed and accuracy, and their network retention rates are consistently high year after year. Through our DentalGuard insurance products, you and your family will receive comprehensive and flexible dental coverage. DentalGuard traditional indemnity plans offer you the option to visit any dentist or specialist when you need care. NHP Life Plus is a Term Life product with accelerated benefits providing a one-time lump-sum benefit amount upon diagnosis of covered medical conditions or in the event of death. NHP Life Plus offers a choice of four different plans, so that you can purchase the coverage amountthat fits your needs. The Prudential Insurance Company is one of the largest life insurance companies in the nation. Prudential offers some excellent benefits in their product mix and underwriting guidelines including: - Top-notch product selection - Excellent substandard underwriting - No rating on pilots - Full-risk coverage of up to $30,000,000 face value for individual and $50,000,000 on joint survivor contracts (no reinsurance approvals necessary) - Pipe smokers, cigar smokers and tobacco chewers are considered NON-SMOKERS Transamerica Occidental Life Insurance Company’s innovative life insurance & annuity products provide excellent underwriting guidelines and: - Affordable individual Universal Life Insurance with a 50-year no-lapse death benefit option available (or to age 100, whichever comes first - Joint Survivor Life with a 50-year guaranteed death benefit option - Excellent substandard offers - Preferred rate classes for healthier clients - Term policies renewable yearly – 10-, 15- and 20-year guaranteed rates Group Disability Our Personal Short-Term Disability insurance may help provide you with a source of income if you become disabled due to a sickness or off-the-job injury. It provides monthly benefits for periods of 3 months, 6 months, 12 months, or 24 months. When you own Aflac's Personal Short-Term Disability insurance, your policy stays with you regardless of job change. An employee's ability to earn a living is their greatest asset. With disability insurance from Principal Life Insurance Company (Principal Life), employers can help their employees protect this asset. We offer short-term, long-term and integrated disability products in both employer-paid and employee-paid programs. In 2001, Guardian merged with the Berkshire Life Insurance Company. Their combined strength in the competitive field of individual DI insurance has created a new force— a new number two industry player. UnumProvident puts its insurance leadership to work for you with a number of solutions tailored precisely to meet the demands of businesses of your size and industry. We make it easy for you to give your employees the income protection and asset preservation they want and need. Not sure if supplemental benefits like disability are right for you business? Take a moment to complete UNUM’s needs analysis to see how supplemental benefits can provide the right balance to your benefits program. Needs Assessment Worksheet >>