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NJ Office - 973-257-5558


Ancillary News Updates

2/17/12 - Unum has sent a notification stating that as of February 7, 2012, they have decided to end sales of new group long term care contracts.  They will continue to provide quality service to current policy holders and claimants and will honor all cases that have been sold and were in the enrollment process. Please review the letter and the Q & A.


Rayant has been acquired by WellPoint, Inc. Please read the sample letter that will be going to members.

12/21/11 - Reliance has announced that Delphi Financial Group (Delphi) has entered into a merger agreement with Tokio Marine Holdings, Inc. (Tokio Marine), a leading Tokyo-based global insurer. Tokio Marine will acquire Delphi and its subsidiaries, including Reliance Standard Life Insurance Company, First Reliance Standard, Matrix Absence Management and Safety National Casualty Corp.


10/19/11 - Announcing: Enriched Disability Benefit On January 1, 2012, Zurich will offer a new Enriched Disability Benefit for manually rated groups under 50 lives in the downstate New York region.


10/18/11 - UnitedHealthcare's 4th Quarter vision rates for Zone 1 - New York and Zone 4 - New Jersey are available.


10/14/11 - Delta Dental 2012 Small Business Program Rates  Please take notice of how the new plans are labeled.  “3” is the employer paid PPO, “4” is the employer paid PPO plus Premier, “5” is the voluntary PPO and “6” is the voluntary PPO plus Premier. PLEASE NOTE that there has been a change to Voluntary Plans for NY ONLY! As a result of NY legislation, carriers must offer a minimum participation plan on a voluntary platform…Delta’s represents 50% or 5 enrolled – whichever is fewer.

9/14/11 - Happier Clients. More Compensation for You. Don't Underestimate The Power of a Strong Benefit Education ProgramPrincipal Effective benefit education can mean happier clients,
more satisfied employees, higher employee participation and more money for you. Principal Life Insurance Company can help with:

Guardian Releases Rates that Include Implants
9/1/11 -Guardian Dental releases new rate sheets for the second half of 2011.  Note that ALL PPO and Choice rate sheets include coverage for IMPLANTS


8/11/11 - Principal Lowers the Number of Employees needed for Dental – Please be sure to review the Communication from Principal which also covers the Child orthodontia benefit rider, Maximum Accumulation Plan and, Voluntary Standalone Dental. Also included are details about Double Down a special, limited-time promotion available through September for new sales with 5-100 eligible lives1. For dental sold with one or more qualifying coverage, clients get a two-year rate guarantee on group  dental, disability, life and vision2. Get the list of qualifying coverages. Voluntary standalone dental is now available to groups with 5 or more enrolled employees with no prior voluntary experience. Let clients know with this flier.


8/8/11 - DI@WORK, Guardian's Individual Disability Program is one of the most important benefits you can offer , because it helps employees protect their lifestyle and financial future by protecting their ability to earn an income. Attract, retain and protect your employees. In addition there are plans that offer protection for Retirement Plan Contributions. The benefits package that your client offers to their employees is key to attracting and retaining the employees who make their business successful. 


8/8/11 - Through DI@WORKTM, you can offer employees a unique benefit that helps protect their retirement plan contributions in the event of a total disability.1 If they become totally disabled, this program will pay up to 100% of the amount they’re currently contributing to their retirement plan — including any employer match — to an irrevocable trust. While totally disabled, employees can decide how they want their trust assets invested.* When the employee reaches age 65, the trust distributes all accumulated assets to the insured. DI@WORK provides you with a distinctively different — and valuable — benefit offering.


8/3/11 - Principal Life - Your Larger Clients Deserve More. Larger clients are faced with unique challenges and expect to be treated differently. At Principal Life Insurance Company, your clients with 1,000+
employees can benefit from their 61 years of experience in providing customized benefit solutions specifically for larger employers. The Principal Life National Accounts division has dedicated service teams for sales, underwriting, claims and account services. Clients can choose from several flexible provisions to tailor each insurance product (dental, disability, life and vision) to meet their needs, resulting in a
competitive benefits package.

3/9/11 - Start selling wellness solutions from Principal Wellness Company today. Principal is one of the few wellness companies in the small- to medium-sized business market, providing you with a differentiating product and an additional revenue stream. Wellness solutions help clients improve the overall health of their employees and business with solutions that have proven results and drive change.

2/2/11 - A.M. best has jumped on board with its peer rating agencies and upgraded Unum’s financial strength rating to a solid A (excellent).That is great news for Unum and great news for our brokers.

2/2/11 - A good way to find cost savings is reviewing employee utilization of dental benefits. Making adjustments based on the services used means clients get more bang for their benefit buck. Our two-year rate guarantee can help, too. Suggestions for your clients. Check out the Low cost dental soloutions newsletter .