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Congress Health Insurance Company

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This review is of the Congress Life Insurance Company, which was founded in 1965 and bought by the Security Life Insurance Company of America in 1977. It was then purchased by Bank One in 2000. Bank One was bought by J.P. Morgan Chase in 2004. During the two acquisitions, the health insurance portion of Congress remained with Security Life Insurance Company.

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Security Life Insurance Company offers two kinds of health policies: short-term disability and long-term disability. The coverage varies depending on the state.

Security Life Insurance Company Short Term Disability Insurance

Security Life Insurance Company offers two kinds of short-term disability insurance. The first short term product is their Premier Short-Term Disability Insurance which can be offered to companies with 10 or more employees. Under the policy, the insured has:

  • Choice of either a percentage of salary or flat weekly benefit amounts
  • Choice of elimination periods and benefit durations
  • Lump sum maternity benefits
  • Optional survivor benefits
  • Optional work incentive benefits

Voluntary Short-Term Disability insurance is another option under the Premier plan. Options for this coverage include:

  • Choices of either a percentage of salary or flat weekly benefit amounts
  • Choice of elimination periods
  • 13 or 26 week duration periods
  • Partial disability benefit
  • Lump sum maternity benefits

For employers with under ten employees, the Premier plan provides similar coverage but at a lower cost than the plan for 10 or more employees. There are:

  • Multiple weekly benefit choices
  • Multiple elimination period choices
  • Lump sum maternity benefits
  • Two-year rate guarantee

Brochures for these plans can be downloaded from their website.

Security Life Insurance Company Long Term Disability Insurance

Security Life Insurance Company offers Long-Term Disability coverage. There are two types of plans: one for companies with 10 or more employees and one for companies with less than 10 employees.

The Premier Long Term Disability policy offers benefits that provide for you and your family during recovery. The plan provides:

  • Multiple monthly benefit amount choices
  • Multiple elimination periods
  • Choice of benefit durations
  • Optional childcare expense benefit
  • Optional three-year rate guarantee
  • Employee Assistance Program
  • Optional spouse and elder care benefit
  • Optional medical or COBRA premium benefit

Voluntary Long-Term Disability Insurance is another option under the plan. The standard option of the plan includes:

  • Monthly benefit amount choices
  • Multiple elimination periods
  • Choice of benefit durations
  • Employee Assistance Program

The policy for less than ten employees is similar to the premier plan for ten employees except the cost is less and the coverage is more limited. However, there are still:

  • Multiple weekly benefit choices
  • Multiple elimination period choices
  • Lump sum maternity benefits
  • Two-year rate guarantee

Brochures are available on the website to download.

Security Life Agents

Security Life sells its products through general agencies and their brokers. However, insurance companies, HMO’S, and DHMO’s also have the ability to sell Security’s products.

Security Life’s website provides the ability to find a broker by inputting your zip code into the toolbox. Once the search is completed, the broker’s name, address, email, phone number, and fax number all appear.

Security Life Quotes

Security Life offers quotes once an established amount of information is compiled. The company asks the client to review Security Life’s checklist, download and complete an RFP form, download and complete a Census template, and send the information to quotes@SecurityLife.com or fax to (888) 414-1587.

Security Life has an established turnaround time for quotes. For two to nine employees, the turnaround is one to two business days, but for groups of ten or more, it can take up to five business days. Rate calculators for employers with fewer than nine employees can be found on the company’s website.

Security Life Customer Service

Security Life’s website provides additional service to its policyholders. For example, policyholders have the ability to look up providers, download forms, obtain broker support, and contact Security Life via email.

Security Life Careers

Security Life careers can be viewed on the company website. Simply look under the career section for any available opportunities. Resumes can be emailed to HumanResources@securitylife.com.

Security Life Contact Information

Security Life is based out of Minnetonka, Minnesota at the following address:

10901 Red Circle Drive

Minnetonka, MN 55343

Toll Free Phone: (800) 328-4667

Inquiries can also be sent by email to ContactUs@securitylife.com.

Security Life is licensed to sell insurance in all 50 states, and maintains a B++ rating by A.M. Best.

You can get online health insurance quotes from active providers by typing your zip code into the free rates tool now!

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