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.
Accident Advantage
A different approach for looking at employer and employee risks, domestically or internationally. Accident Advantage offers insurance coverage and compatible services that create a financial safety net for employers and employees.
- Accidental Death & Dismemberment
- Business Travel Accident
- Group Life Insurance
- Accident & Health Ca$hBack Plan
StarLine offers a full range of AD&D coverages for employees working internationally, including ex-patriots, third country nationals and local nationals. Key features include:
- High principal sum amounts
- Coverage 24/7 on or off the job
- Evacuation and repatriation benefits
Questionnaire: Voluntary Accidental Death and Dismemberment
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
Questionnaire: Business Travel Accident
As part of a packed solution, StarLine offers Group Life through Nationwide Life Insurance Company. StarLine and Nationwide have worked together to create a complementary package of Group Life and our industry leading AD&D products. Key features of Group Life include:
- Portability and conversion available
- Guarantee issue
- Dependent life coverage options
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
Questionnaire: Business Travel Accident
Executive Advantage
StarLine’s Executive Advantage Program offers risk solutions for board of directors, executives and other highly compensated employees.
- High Limit A&DD, High Limit Disability
- Confidential Life
- Kidnap & Ransom
StarLine’s High Limit AD&D and High Limit Disability coverages can provide the highest limits in the industry. Key features include:
- Disability coverage with limits available up to $30 million any one person
- High Limit Disability coverage with a monthly benefit up to 75% of income
- High Limit Lump Sum Disability coverage with a benefit up to 10x annual earnings
Form: High Limit Accidental Death, Dismemberment & Disability Insurance
Provides coverage for the direct financial loss suffered by the policy holder resulting from the non-performance of the insured contract due to death, dismemberment, disappearance or disgrace. High principal sums available and no physical exams are necessary. Commonly used for:
- Investors
- Business Buy-Outs
- Bank Loans
Select Advantage
StarLine’s Select Advantage Program offers unique solutions for your toughest risks.
- Event Cancellation
- Common Carrier
- On-Premise Terrorism
- Occupational Accident
- Medical Tourism
Provides employer, promoter or other event coordinator coverage of expenses from event canceling due to circumstances beyond their control. This coverage is often used to secure sales meetings, trade shows, concerts, or other major event venues.
Provides AD&D coverage either on a per trip or event basis for fare paying passengers on a land, water or air common carrier.
Accident coverage for employees in the event of a terrorism act, including but not limited to bomb scare and/or explosion on the employer’s premise. Customized policies can include:
- Accidental Death
- Up to $75 million of aggregate coverage
- Written stand alone
- Available worldwide
This policy features flexible benefits for independent contractors, including AD&D, medical expense and wage replacement in the event of a covered accident. An occupational accident policy is a perfect solution for independent contractors, in the IT, temporary staffing and trucking markets.
Insurance policy issued to a medical tourism facilitator which provides door to door coverage for a client in the event of death, disability or dismemberment while traveling or during surgical procedures. Customized policies can provide benefits for:
- Accidental Death and Dismemberment
- Permanent Total Disability
- Repatriation
Reinsurance Advantage
StarLine’s Reinsurance Advantage Program offers creative solutions for companies looking at reinsurance options to manage their risk on accident and/or disability programs.