Not all multi-life groups are treated equally, for those cases whose risk profile may not line up with GSI Underwriting we’ve created the MGI program. The Underwriting Requirements for this are almost just as streamlined as GSI, but with only a couple of additional application questions.

Program Parameters
  • TTD Limits up to $250,000 per Month
  • PTD Limits up to and above $10,000,000 lump sum
  • Standard Elimination Periods: 90, 180 & 365 days
  • Standard Benefit Periods: 12, 24, 36, 48 & 60 months
  • Own Occupation Definition
  • Policy Terms up to 5 Years
  • Optional COLA & Residual Riders
  • Available for either Mandatory or Voluntary Programs
    • Mandatory Programs: minimum of 3 Lives
    • Voluntary Programs: minimum of 10 lives with 30% participation
  • Underwriting Requirements:
    • Offer Letter
    • Group Census Data
    • MGI Application (2 pages)

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