Life Insurance

SMG’s group Life Insurance plans can be customized to meet the unique needs of your group. We offer Guaranteed Issue Life Insurance and Basic and Voluntary Term Life Insurance plans with flexible coverage amounts and value-added benefits. Our life insurance plans can be purchased as part of a group insurance program, or as stand-alone coverage.

Additional value-added features included in our Voluntary Term Life Insurance plans:

	Compassionate Living Benefit
	Daycare Benefit for Dependent Children
	Education Benefit for Dependent Children
	Repatriation Benefit
	Spousal Retraining Benefit
	Waiver of Premium

Guaranteed Issue Life Insurance plans include:

	Accidental death at any age: 5 times the benefit amount
	Compassionate Living Benefit
	Eligibility ages: 50 to 85
	Guaranteed acceptance: there are no health-related questions on the application and no medical underwriting is required
	Paid-up Benefit: coverage continues at age 100 at no cost to the insured
	Premium rates do not increase with age

Our range of Life Insurance solutions are ideal for:

	Employer groups
	High risk occupation groups
	Unions
	Educational groups
	Affinity groups

Please contact our regional office closest to you for further information about Life Insurance or any of SMG’s products.