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Health Insurance
International Medical Group Inc. (IMG), Indianapolis, has introduced two new plans to its insurance product portfolio. The plans, Patriot Platinum Travel Medical InsuranceSM and Patriot Green Travel Medical InsuranceSM, provide numerous benefits and are tailored to meet the specific needs of each individual in his/her respective market.
Patriot PlatinumSM provides protection for the international traveler who wants to obtain the maximum coverage available in a short-term travel medical product. Among the many benefits available, the plan provides up to $8 million of coverage, an extensive range of deductibles, exclusive access to IMG's Global Concierge and Assistance ServicesSM and premium coverage for in-patient and out-patient medical expenses. Coverage is available from five days up to three years for U.S. citizens traveling outside the U.S. and for non-U.S. citizens traveling outside their home country.
Patriot GreenSM is designed for the environmentally conscious international traveler that is serious about sustainable and responsible tourism. The plan includes an Eco Sports Rider covering such activities as jungle zip-lining, wildlife safaris and cave tubing, among others. The plan also includes an additional AD&D benefit allowing the insured the opportunity to donate $5,000, in the event of his/her accidental death and dismemberment, to an environmental organization that positively impacts global conservation. This donation is payable by IMG on the insured's behalf. Patriot Green can only be purchased online, and coverage is available from five days up to two years for U.S. citizens traveling outside the U.S. and for non-U.S. citizens traveling outside their home country.
Additionally, both plans offer insureds access to more than 16,000 providers when seeking treatment outside the U.S. through IMG's International Provider AccessSM (IPA).
For more information, visit www.imglobal.com.
Symetra Life Insurance Company
Term Life
Symetra Life Insurance Company, Bellevue, Wash., announces the launch of the Protector Series, term life insurance that helps protect family members from financial burden when they lose a loved one. The Protector Series features two new products: Symetra Mortgage Protector and Symetra Protector Term Life Insurance.
The products are designed to help meet the life insurance needs of middle-income American families. The Protector Series is designed to help reduce the financial impact should the unexpected happen. The products provide death benefit protection for 15, 20 or 30 years, depending on the customer's needs and premiums remain level throughout the selected level term period.
For customers who have recently purchased or refinanced a home, Symetra Mortgage Protector is available to safeguard what is typically the single biggest financial obligation for most families -- their mortgage. Mortgage Protector is available to clients who have purchased a new mortgage or refinanced their existing mortgage in the last five years.
Protector Term Life, a fully underwritten policy, is available for individuals who may have a need for life insurance due to other major life events such as marriage, new baby, retirement or employment change.
A return-of-premium option is available on all Protector Series products. Several other benefits are included with the Protector Series at no additional cost, including common carrier accidental death benefit, which provides additional payments if death occurs as a result of certain accidents, and an accelerated death benefit, which provides early access to up to half of the death benefit prior to death if the insured individual is diagnosed as terminally ill.
For more information, visit www.symetra.com/client/individualsandfamilies/ourproducts/life/.
Genworth Financial
Long-Term Care
Genworth Financial, Richmond, Va., has introduced Long Term Care Business Solutions, a next-generation worksite-based long-term care insurance platform. Long Term Care Business Solutions offers employers a way to provide affordable, comprehensive long-term care coverage to employees and their families. The flexible multi-life program is available to as few as three employees or as many as 500.
Long Term Care Business Solutions is available to employees through their workplaces. It is designed to provide essential long-term care coverage in a number of environments, including home and facility-based care, and features a 0-day elimination period for home care. The program launches with two unique platforms to meet the individual employee's needs:
Executive Series -- a 100% employer-paid program
Employee Advantage -- a 100% employee-paid program
Genworth is supporting the Long Term Care Business Solutions program with a full suite of tools for producers, including pre-sales support, a dedicated case management team, marketing collateral, a simple three-question application for eligible employer-funded participants, the ability to complete insurance applications online, a new quoting tool to illustrate employer plans and a competitive commission structure.
For more information, visit www.genworth.com/longtermcare.
