1. Availability to almost any business with 5+ employees
2. Streamlined group approval process
3. Employer group premium rates for employees and eligible family members*
- Employer Group rate class priced on a unisex basis in most states or
- 5% employer group discount on gender-specific pricing in remaining states
4, Access to all the EssentialLTC features available in the individual market
- 10-year/single premium payment, lifetime benefits, return of
premium/surrender options, joint pricing, and more
5. Partnership eligible policies available in many states*