Guaranteed Standard Issue (GSI)
IDU offers customized Guaranteed Standard Issue (GSI) plans for employer groups through our BenefitPlus™
product, providing greater levels of protection for your clients. Plan designs are tailored to fit the organization's needs and group profile.
Flexible benefits at limits far above standard insurance carriers in monthly, lump sum, or combination options are available, and enrollment and communication is flexible, easy, and secure using IDU's Insight Platform.
BenefitPlus™ Demo Video
Contact us to schedule a demo or to get more information.
What is Guaranteed Standard Issue?
​Guaranteed Standard Issue (GSI) is a guarantee to issue a standard policy, provided the individual meets the actively at work requirement.
Product Highlights
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Customizable plan design based on need and risk profile
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Own Occupation definition of disability
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Coverage is fully portable
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Individual Consideration for employees of a US company working outside of the US.
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Voluntary plans, 25+ eligible lives
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Mandatory plans, 3+ eligible lives
GSI Requirements
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Group Census Data
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Streamlined Application
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Cause Only Underwriting
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Individual Applications can be waived for Employer Paid programs
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Insured working on full time basis
IDU Real Life Solution
​Private Equity Firm
5 Highly Compensated Executives with annual incomes ranging from $700,000 to $1,600,000
The corporate leaders, when analyzing their Group and Individual DI benefits, discovered there was a significant gap in their income protection.
Current Coverage:
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Group LTD - $20,000
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Individual DI - $15,000
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32% Average Income Replacement
Utilizing IDU’s BenefitPlus product, the firm was able to quickly implement a high limit disability plan providing 65% income replacement ratio in the event of a disabling event. Plan implementation is simple and streamlined on a Guaranteed Standard Issue (GSI) underwriting basis with a single employer application and census information verifying executive income.
IDU's BenefitPlus Product Solution:
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Monthly Benefits up to $50,000
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65% Income Replacement Ratio
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90-Day Elimination Period
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60-Month Benefit Period
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5-Year Policy Term
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Own Occupation Definition of Disability
IMPORTANT DISCLOSURE: This is not an exact description of coverage.
The benefits, limitations and/or exclusions described are for general illustration purposes only and may vary by state and client profile.