Speciality Benefits
The world is a much different place than it was 10 years ago, 5 years ago or even last year. However, employers seemingly have the same choices to manage risk in a changing world...not anymore.
StarLine introduces the next generation of risk management tools for Employee Benefit coverage. StarLine’s Specialty Benefits Advantage Programs fill the gaps your old coverage missed and provide a suite of products and services ready to be customized to fit unique employer and employee needs.
StarLine’s Advantage Assessment provides a quick and easy way to determine potential gaps in coverage. We can then customize an insurance program that will fit your needs through one or more of our Advantage Programs.
Each of our Advantage programs combines a selection of enhanced insurance products with unique services to provide a comprehensive approach to employer and employee risk management. Our programs provide solutions domestically and internationally. No matter what group, you will find the guidance that only comes through experience, the flexibility to customize a solution to your exact situation and the stability of the industry’s preeminent insurance companies.
International Advantage
StarLine’s International Advantage Program offers solutions for your unique international risks.
- International Life
- Disability
- Accidental Death & Dismemberment
- War Risk & Terrorism
- Business Travel Accident
- Kidnap & Ransom
Flexible coverages that allow employers to cover employees that would otherwise be excluded from the domestic carrier group coverage or employees that are ex-pats or foreign nationals.
- High principal sums available
- Guarantee Issue Limits
- Customized policies for family, individual, specific trip and annual basis
StarLine offers both Temporary Total Disability and Permanent Total Disability plans. Key features include:
- Salary replacement options
- No pre-existing condition provision
- Elimination period options
Form: High Limit Accidental Death, Dismemberment & Disability Insurance
StarLine offers a full range of AD&D coverages including Basic and Voluntary, domestic and international and packaged with Group Life or carved-out. Some key features include:
- Principal sum amounts up to $5 million per insured
- Coverage 24/7 on or off the job
- Over 20 plan enhancements including war risk, HIV and felonious assault
Form: High Limit Accidental Death, Dismemberment & Disability Insurance
Provides coverage for employees that are working or traveling in a “high risk” area. Since many group policies specifically exclude coverage for War Risk situations, often there are gaps for employees that travel to these areas. Some key features include:
- AD&D, TTD, PTD, Accident Medical, Medical Evacuation
- Coverage for Nuclear, Chemical and Biological exposures
StarLine’s BTA policy provides worldwide coverage with principal sum amounts up to $5 million per insured, $75 million any one accident and many additional enhancements. Key features include:
- Flexible plans available to fit the employer’s needs
- Business only or 24 hour business and pleasure coverage available
- Coverage available for unique risks including company-owned or leased aircraft, company employed pilots, employees working in War Risk areas, off-shore oil rigs and other special hazards