LIFE & HEALTH INSURANCE FOR FIRST RESPONDERS
LIFE INSURANCE |
HEALTH INSURANCE |
CANCER & CRITICAL ILLNESS |
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Employee Benefits We Offer:
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LIFE INSURANCE
Life insurance can’t bring a parent back, but it can make the road afterwards easier for those left behind. First Responders put their lives on the line every day but like to think that they are invincible. Don’t wait until something devastating happens. There’s no time like the present to purchase a life insurance policy to provide cash to your loved ones after your death. It can make a difference!
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LIFE INSURANCE RESOURCES
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HEALTH INSURANCE
One Size Does Not Fit All!
"We offer plans from over 5 insurers with designs tailored to your employee needs at a cost your Business can afford!"
"We offer plans from over 5 insurers with designs tailored to your employee needs at a cost your Business can afford!"
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Our Services Include:
1. Bidding your plans with all our insurers 2. Recommendations for the most Cost-Effective approach to attain your goals 3. Open Enrollment Kits 4. Open Enrollment Meetings 5. Open Enrollment Processing 6. New Hire Enrollment Kits 7. New Hire Orientation (via Phone unless there are several employees at one time) 8. New Hire Enrollment Processing 9. Payroll deduction spreadsheet provided at completion of Open Enrollment 10. All Claims issues are to be forwarded to our office and we will work with the employee or dependent |
Carriers We Represent:
1. Aetna 2. United Healthcare 3. Blue Cross Blue Shield 4. Humana 5. Colonial 6. AFLAC 7. The Standard 8. UNUM 9. Dental Select 10. Mutual of Omaha 11. Principal 12. Metlife |
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CANCER & CRITICAL ILLNESS
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SFFMA and WinStar Insurance Group / VFIS of Texas have secured a Group Cancer / Critical Illness Insurance Plan that provides 24 hour (on the job and off the job) coverage.
This Cancer / Critical Illness Insurance is available to employers (paid & volunteers) and individual members.
Highlights Include:
*Initial diagnosis of covered critical illness must occur while the insured is covered under the group policy. If the insured has a reoccurrence of a prior covered illness after coverage begins then the plan pays under the, Reoccurrence Benefit: If a critical illness benefit is payable and there is a subsequent diagnosis or recommendation for the same critical illness, a reoccurrence benefit equal to 25% of the coverage amount is payable if the insured meet both of the following: The insured has been continuously insured under the group policy between the initial and subsequent diagnosis or recommendation. The insured has served a 12-month treatment free period during such continuous insurance.
To Enroll:
*We have reached our 500 member minimum threshold for coverage to go into effect August 1st! However, you can still enroll at a later date. See schedule below:
Deadline Effective Date
02/15 03/1
03/15 04/1
04/15 05/1
05/15 06/1
6/15 07/1
This Cancer / Critical Illness Insurance is available to employers (paid & volunteers) and individual members.
Highlights Include:
- Coverage is Guaranteed Issue – No Health Questions
- No Pre-Existing Exclusions*
- $10,000 Lump Sum Pay-Out
- 24-hour coverage
- Covered Conditions Include:
- Cancer
- Heart Attack
- Stroke
- Coma
- Paralysis
- Loss of Hearing, Sight, or Speech
- Occupational Hepatitis
- Occupational HIV
- Bone Marrow Transplant
- Newborn Babies of Covered Member
- 21 childhood diseases
- Who is eligible?
- Issue age 18 to 70 for members
- Birth to age 26 for children.
- Monthly Rate - Employee/Member is $14.20
- (dependent children are included in this rate)
*Initial diagnosis of covered critical illness must occur while the insured is covered under the group policy. If the insured has a reoccurrence of a prior covered illness after coverage begins then the plan pays under the, Reoccurrence Benefit: If a critical illness benefit is payable and there is a subsequent diagnosis or recommendation for the same critical illness, a reoccurrence benefit equal to 25% of the coverage amount is payable if the insured meet both of the following: The insured has been continuously insured under the group policy between the initial and subsequent diagnosis or recommendation. The insured has served a 12-month treatment free period during such continuous insurance.
To Enroll:
- Download & Complete Enrollment Form
- Email completed enrollment form to Tom Newby at Tnewby@winstarins.com / (512) 628-5189.
*We have reached our 500 member minimum threshold for coverage to go into effect August 1st! However, you can still enroll at a later date. See schedule below:
Deadline Effective Date
02/15 03/1
03/15 04/1
04/15 05/1
05/15 06/1
6/15 07/1
To get a Quote on Health Insurance, please contact Tom Newby.
Tom Newby
Employee Benefits Sales Executive
(512) 628-5189
tnewby@winstarins.com
WinStar Insurance Group
3420 Executive Center Dr, #301
Austin, TX 78731
To get a Quote on Health Insurance, please contact Tom Newby.
Tom Newby
Employee Benefits Sales Executive
(512) 628-5189
tnewby@winstarins.com
WinStar Insurance Group
3420 Executive Center Dr, #301
Austin, TX 78731
