Full Sail Benefits offers a broad portfolio of products including life, supplemental health, and disability insurance for individual insurance for individual ownership. Available insurance products include Universal Life, Term Life, Cancer and Specified Disease, Critical Illness, Accident, Hospital Indemnity, Heart & Stroke Disability, and Dental coverage.
Our Group Insurance Products provide employees tremendous opportunity for great coverage at
a low costs to them
- and at NO COST to the employers!
Full Sail Benefits are designed to supplement primary insurance and offer flexibility, allowing consumers to make choices depending on their individual needs. Benefits are paid in addition to any other coverage and can be used to help offset the non-medical costs associated with treatment. The polices are individually owned and portable, even when payroll deducted, allowing premiums to be paid with pre-tax dollars.
Group Products feature great rates for all types of insurance including accident, cancer, critical illness and disability. Hospital indemnity insurance and life insurance are also available.
is essential because your existing health insurance plan may not cover all of your expenses due to illness or injury. Supplemental health insurance can fill in the gaps left by your health plan.
Disability Coverage provides a monthly cash benefit if you suffer an illness or injury that leaves you partially or fully disabled. Would you or your family be able to live if you were disabled and stopped earning a pay-check?
Accident Coverage provides for out-of-pocket expenses related to an accidental injury. Don't be unprepared - accidents can and do happen and our coverage offers peace of mind while providing cash to cover expenses.
Philosophy- provide solutions, supplemental, and simplicity
#2 voluntary benefits carrier in the marketplace
Participation Requirement is 3 applications
Flexibility- products and enrollment are customizable
Rates are “issued age rated”, meaning rates will not increase as you grow older
Policies are issued in 1 to 2 days (electronically) & 5 days (via paper)
Out-Bound Claims Notification is automatic for policy holders
Claims- are denied less than 1% of the time when submitted correctly
Guarantee Issue and Contingent Guarantee issue products are available
EasyBill Online provides an East-to use website for Benefit Mangers
My Benefits provides benefit information at your fingertips 24/7 for employees
Agent Website is a valuable resource for you and your staff to access Allstate Benefits
Financial Strength - A.M. Best/ A+ (Superior), S&P/AA (Very Strong), Moody’s/AA 2 (excellent)
Portability- benefits can be taken with you at the same rates, even if you change jobs or retire
Conveniently located in Towson MD, Full Sail Benefits is a leader in the Baltimore area for all your group benefits and insurance needs. Stop by today or contact us to discuss your specific insurance and employee benefit needs personally.