Qualified Issue Coverage
If you are a permanent employee actively at work and can meet eligibility requirements, you can obtain qualified issue coverage.  In addition, eligibility is contingent upon remaining actively at work for the first payroll deduction.

Affordable
Because this policy is owned by you, you chose the premium amount that fits your budget as well as your needs.

Portable
Should you retire or leave the company after the first payroll deduction, you can take the policy with you.  You will be billed directly for your premiums.

Flexible
You can choose the amount of coverage you wish to apply for, and you can modify your plan by increasing or decreasing your coverage as your needs change, subject to company guidelines.  An increase of insurance coverage may require evidence of insurability.

Cash Value Accumulation
Universal life builds a cash value which accumulates at the current non-guaranteed interest rate.  The current non-guaranteed interest rate will never be less than the guaranteed interest rate that is shown in your policy.

Cash Value Loans
Once accumulated, you can borrow from the cash value at a rate of 7.4%, payable in advance.

Annual Reports
To keep you informed, a report showing policy activity is sent annually.  This report lists all the transactions, such as premium payments, loans, and withdrawals as well as policy expenses and values.

If you are serious about finding solutions,
please contact us at:

Integrated Benefits Services, Inc.
93 Case Street, Canton, Connecticut 06019
Tel. (860) 693-6725 - Toll Free (888) 909-IBSI (4274)
Fax (860) 693-9475

If you have any questions or need further information on any of our services, please fill-out our Information Request Form or
E-mail us at services@ibsbeneflex.com