Group Benefits

group pageGroup Vision Plans:

Can be written down to 5 employees; no participation requirements; employer paid or voluntary.

Group Life Plans:

For both small and large groups; school systems, municipalities; high limits available; both employer paid and voluntary.

Group LTD:

Plans for both small and large groups; school systems, municipalities; high limits available; both employer paid and voluntary. Both long and short term.

Annuities and 401K Plans:

Both fixed and variable; large and small; 401K for both groups and individuals.

Affordable Accidental Death Plan:

With return of premium in 20 years while coverage doubles: 50k, 75k & 100k available; same premium at every age; guaranteed issue; short application; no medical questions. Higher limits available up to $500,000.

High Limit Guarantee Disability Income:

Up to 84 months benefits, up to 365 day e.p. and up to $25,000 monthly coverage. Available for age 70 and under for qualified groups. Certain criteria is required.

Customized Group Limited Medical Plans:

With a wide range of various benefits and benefit levels to choose from; voluntary down to 5 lives: perfect for part-time or minimum wage employees.

Business Overhead Expense Plans:

For qualified business owners; both blue collar and professionals; special discounts available to qualified associations. Extremely high limits of coverage available.

Identity Theft Plans:

For associations and groups. Pricing is determined by numbers and whether employer paid or voluntary.

Free Prescription Rx Plan:

For agents to participate in as a giveaway to clients and groups or for lead generation. Excellent discounts on generic and brand name prescriptions with compensation paid based upon utilization.

Guarantee Issue Life, Dental, and Vision Plans:

Available for qualified associations. Can also be customized to meet requested specifications. Plans can be private labeled.

Specialty A&H Products:Available to very large, qualified organizations, associations, financial institutions and employer groups that meet certain criteria. High limits available for pennies per thousand.

Group Dental and or Vision:

Available down to 1 life in groups of 3 or more. Orthodontia available if required. Up to $1,500 per year in coverage.

Medical Coverage around the Globe:

Individuals, students, missionaries, business travelers and others can now have medical coverage while outside the United States. Both group and individual plans available from 1 to 365 days and longer. Trip cancellation plans also available.

Stand Alone Hearing Benefit:

National provider network allows for national distribution to groups and associations. Pays compensation based upon utilization.

Cardiovascular Screening Programs:

Available for large associations, Insurance Companies and employer groups. These can greatly aid in the management of health claim costs as well as with actuarial underwriting costs.  Screenings available nationwide with commissions paid based upon utilization.

Fully Insured Legal Services Plan:

For groups and associations of five or more. This very popular and affordable employee benefit includes a national network of 25,000 attorneys.

Fully Insured Commercial Drivers Legal Plan:

Designed to cover the long-haul truck driver as well as protect the driver’s carrier. This program endorsed by the American Trucking Association.

Fully Insured Pet Insurance Plan:

For groups and associations of five or more. One of the fastest growing employee benefits in the nation. Works just like major medical insurance. Accepted by all veterinarians.

Turn Key Property and Casualty Program:

Providing Homeowners, Auto, and Renters insurance through a turn key marketing plan. Available to large employer groups and associations of 500 or more.

Group Dental and or Vision:

Available under 5 employees. Orthodontia available if required. Up to $1,500 per year in coverage.

ClearValue Healthcare Hearing Benefit Plan

Whether you are associated with an existing hearing aid discount company or are considering including hearing healthcare in your benefits package ClearValue Hearingis the premier program in hearing healthcare for organizations, insurance groups and businesses.

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LICOA Brokerage Service Incorporated

A wholly owned subsidiary of Life Insurance Company of Alabama.
Dedicated to providing products and services to our agents and their clients.

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Larry Culver, CLU
National Marketing Director
205-422-4389  /  800-532-0853