RSLSmartChoice™, Small Group Products



SmartChoice offers comprehensive LTD, Life/AD&D, and STD benefits for small businesses with 2 to 19 employees and Dental (with an eye care benefit option) for small businesses with 3 to 19 employees.
• All coverages can be written on a stand alone basis.
• All coverages are Guarantee Issue.
• Carve out coverage is available for all lines.

Participation Requirements for all lines 
• For Groups of 2 to 5 employees (3 to 5 for Dental) — All eligible employees must be insured.
• For Groups of 6 to 9 employees — All eligible employees but one must be insured.
• For Groups of 10 to 19 Employees — 75% of all eligible employees must be insured.
• Most industry classifications are eligible for coverage.
• More...

 

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