Groupguru Inc. and Ken Dowdell, your group insurance guru.

Individual Group Insurance
Blue Choice®

Travel to Canada

Travel from Canada

Guaranteed Issue
Alternative Plan
-Industrial Alliance

Simplified Issue
Perspective
-Industrial Alliance

Marketing Guide

Summary of Plan Designs

Order Form/Rate Calculator

Manual Rate Calculation Sheets

Group Application and Enrollment

2)Qualifying Group Guidelines

3)General Information

Compulsory Benefits

Proof of Insurance

Definition of "Dependents"

Exclusions application to all benefits

Continuation of Insurance

Waiver of Premium

4)Description of Benefits

Basic Life Insurance

Accidental Death & Dismemberment

Health Insurance

Dental Insurance

5)Optional Benefits

Long Term Disability

World Wide Travel

Employee Assistance Program

Critical Illness

6)Group Conversion Program

LIFE INSURANCE
ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE
DRUG INSURANCE
HEALTH INSURANCE
SEMI-PRIVATE HOSPITAL CARE
DENTAL INSURANCE
DEPENDENT LIFE
LONG TERM DISABILITY
VISION CARE
WORLD WIDE TRAVEL
EMPLOYEE ASSISTANCE PROGRAM
CRITICAL ILLNESS

Group Benefit Plans for 3 - 19 Employees

EVOLUTION©...Group Benefit Plans for 3 - 19 Employees

Components	Benefits	Bronze (3-19)	Silver (3-19)	Gold (5-19)	Platinum (10-19)
C-1	Flat Basic Life AD&D	$10,000	$20,000	$30,000	$50,000
C-2	Semi-Private Hospital Care	Not Available	100% maximum $175/day	100% maximum $175/day	100% maximum $175/day
C-3-I	Prescription Drugs	70% reimbursement	80% reimbursement Pay Direct Card Deductible = Dispensing fee	90% reimbursement Pay Direct Card $5.00 dispensing. fee cap	100% reimbursement Pay Direct Card
C-3-II	Extended Health Care Including:	70% for All Benefits	80% reimbursement	90% reimbursement	100% reimbursement
	Paramedical	$300 reimbursed for all Practitioners combined	$400 reimbursed for all Practitioners combined	$500 reimbursed for all Practitioners combined	$750 reimbursed for all Practitioners combined
	Nursing Care (PDN)	$5,000 max per year	$5,000 max per year	$10,000 max per year	$10,000 max per year
C-4	Dental	70% reimbursement Basic, Preventative, Endodontics, Periodontics $750 max per year	80% reimbursement Basic, Preventative, Endodontics, Periodontics $1,000 max per year	90% reimbursement Basic, Preventative, Endodontics, Periodontics $1,500 max per year	90 % reimbursement Basic, Preventative, Endodontics, Periodontics 50% Major Services (Crown, Bridge, Dentures) $1,500 combined max per year
		12 month recall	9 month recall	6 month recall	6 month recall
		2001 Ontario Fee Guide	Current Ontario Fee Guide	Current Ontario Fee Guide	Current Ontario Fee Guide
OPTIONS
1	Dependent Life
2	Long Term Disability
3	Vision Care (Available for Bronze & Silver @ $100 every 24 months. Gold & Platinum @ $200 every 24 months)
4	World Wide Travel (CanAssistance)
5	Employee Assistance Program (Posation 500®)
6	Critical Illness (LifeLink®)

Groupguru, Inc.
5160 Explorer Drive, Unit 11
Mississauga, ON L4W 4T7
Telephone: (905) 629-0766Fax: (905) 629-0559

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