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Understanding our And vs. Or definition

What makes MGIS different when it comes to our And vs. Or definition?

Typical Group LTD “and/or” definitions and percentage formulas often confuse clients and sidetrack closing conversations.

A simpler “own procedures” solution can keep them, and your sale, on track. Two key features of the IncomeProtect IDI Supplement-style contract make the difference:

  1. Income earned prior to disability is not counted – Eliminates the need for “Or” language to accommodate physicians’ lagged income profile.

  2. Disability is defined as unable to perform CPT code-based procedures from previous 12 months – simple, clear and quantifiable for a physician.

Here at MGIS we offer a simpler, more powerful solution that is easy to explain and provides better coverage. We work hard to make sure there are no surprises. Spare your physician clients any surprises at claim time; give them the insurance that physicians expect.

Thank you so much for all you do.

Want to close more deals? Here are some tricks for selling. Click here.

Group life and disability insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 93P-LH, 07P-LH-PT/07C-LH-PT, 12-STDPort-C- 01, 12-GPPort-P-01, 15-GP-01, and 16-DI-C-01.

In New York, group life and disability insurance policies are underwritten by Sun Life and Health Insurance Company (U.S.) (Lansing, MI) under Policy Form Series 13-GP-LH-01, 13-ADD-C-01-MGIS, 13-GP-LF-01, 13-LF-C-01-MGIS, 12-GPPort-P-01, 13-LFPort-C-01, 13- ADDPort-C-01, 15-GP-01, 16-DI-C-01 and 12-STDPort-C-01. The disability policies provide disability income insurance only. They do NOT provide basic hospital, basic medical, or major medical insurance as defined by the New York State Insurance Department.

Administration for physician products is provided by Medical Group Insurance Services, Inc. (MGIS), in all states, except as follows: in CA by MGIS Insurance Agency, Inc.; in NY by MGIS Insurance Agency; in NC by Insurance Administration, Inc., d/b/a MGIS NC. Product offerings may not be available in all states and may vary depending on state laws and regulations.

GGNL-PHY-6868           SLPC 28499 06/17 (exp. 06/19)

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