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Benefit Comparison: Price vs. Value

Benefit Comparison: Price and Benefits

A transparent look at voluntary benefit options. See the monthly prices side-by-side, then discover the many additional benefits and policy guarantees that define true coverage.

Side-by-Side Monthly Premium Comparison

Accident Insurance

Employee OnlyFamily
SHN Offer$4.83$13.40
Competitor$15.20$53.70
% Difference

Hospital Indemnity

Employee OnlyFamily
SHN Offer$7.85$36.00
Competitor$28.50$78.50
% Difference

Critical Illness

Employee OnlyFamily
SHN Offer$23.70$36.30
Competitor$37.10$64.40
% Difference

Rates represented: AI (24 hour) - $1,000 plan. HI - $1,500 plan. CI - $20K benefit (age 40-44). Competitor rates are an average of a number of carrier rates and are for illustrative purposes only.

Beyond the Price: The Guarantees That Define Your Coverage

The SHN Offer Advantage (Certainty)

Pre-Existing Condition Waiver

For Medical Bridge and Critical Illness, we **waive** the pre-existing condition limitation for anyone enrolling in the first year. This ensures coverage is there when needed, eliminating the primary reason for claim denials.

Long-Term Rate Stability

We offer a **3-Year Rate Guarantee** on most products. This provides your business with predictable costs and protects your budget from volatile annual rate increases.

Superior Guaranteed Issue (GI)

Our plans offer higher GI amounts (e.g., up to **$35,000** for Critical Illness), allowing employees to secure more meaningful protection for their families without medical questions or lengthy applications.

The Competitor Approach (Conditional)

Pre-Existing Condition Limitation

The competitor plan enforces a 12-month look-back and limitation. A claim can be denied if an employee received treatment for a condition before enrollment, creating risk and potential frustration.

Short-Term Rate Guarantees

A 1 or 2-year rate guarantee means you face the renewal process and potential rate increases more frequently, making long-term budget planning more difficult and less predictable.

Lower Guaranteed Issue (GI)

Lower GI amounts (e.g., $30,000 for Critical Illness) and tying them to group participation rules can limit how much protection employees can easily get, potentially leaving financial gaps.

The Choice: Lower Prices AND Richer Benefits!

Stone Hill National's Exclusive Block Offer are benefit rich, significantly lowers monthly premiums for your clients, removes the risk by waiving pre-existing conditions and provids long-term rate stability.

Insurance Benefit Comparison: Colonial Life vs. Allstate

Stone Hill Block Offer vs Street Rate Comparison

How the SHN Voluntary Block Offer, available to all Stone Hill agents and brokers stacks up against the majority of carriers and their "street rates"

Detailed Comparison

Benefit Category Stone Hill Voluntary Benefit Offer General VB Carrier Offer
Group Accident GI Offer: Guaranteed Issue for all.
Rate Guarantee: 3 Years.
Summary: Strong offer with a longer rate guarantee.
Fixed Monthly Rates (Preferred Plan):

Typically 65-75% less than other VB Carriers
  • Employee: $4.83
  • Employee+Spouse: $8.51
  • Employee+Children: $10.27
  • Family: $13.40
 GI Offer: No Guaranteed Issue for most groups.
Rate Guarantee: No "official" rate guarantees.
Summary: Higher priced with no fixed pricing, no GI or rate guarantee
Average Monthly Rates (accross multiple carriers):
  • Employee: $15.20
  • Employee+Spouse: $26.30
  • Employee+Children: $40.50
  • Family: $53.70
Critical Illness GI Offer: Up to $35,000.
Pre-Existing Waiver: Yes, waived for first-year enrollees.
Summary: Higher GI amount and a critical waiver make this a very strong offer.
Monthly Rates: (Age 40-44, $20K)

Typically 35-45% less than other VB Carriers
  • Employee: $23.70
  • Employee+Spouse: $36.30
  • Employee+Children: $23.70
  • Family: $36.30
 GI Offer: No Guaranteed Issue for most groups.
Pre-Existing Waiver: No Pre-Ex Waiver or limitations apply.
Summary: Higher priced with no pre-existing clause or GI.
Monthly Rate (Age 40-44, $20K):
  • Employee: $37.10
  • Employee+Spouse: $64.40
  • Employee+Children: $37.10
  • Family: $64.40
Hospital Confinement GI Offer: Up to $2,000 benefit.
Pre-Existing Waiver: Yes, waived for first-year enrollees.
Summary: Higher value with a waiver for planned procedures.
Monthly Rate ($1.5k Plan):

Typically 35-45% less than other VB Carriers
  • Employee: $7.85
  • Employee+Spouse: $28.65
  • Employee+Children: $9.65
  • Family: $36.00
    		•  GI Offer: Limited by Participation.
    Pre-Existing Waiver: Not available or limitations applies.
    Summary: No Pre-Ex waiver and limited by participation.
    Monthly Rate ($1.5k Plan):
  • Employee: $28.50
  • Employee+Spouse: $57.30
  • Employee+Children: $39.40
  • Family: $78.50
    		•
    Group Disability GI Offer: Up to $4,000/month.
    Pre-Existing Waiver: Yes, waived for first-year enrollees.
    Summary: Lower premium plus a crucial waiver.
    Monthly Rate (per $1k):

    Typically 30% less than other VB Carriers

    $24.30     		GI Offer: Usually up to $1,500/month.
    Pre-Existing Waiver: No, limitation applies.
    Summary: Less GI amount, lacks a pre-existing waiver.
    Monthly Rate (per $1k): $34.70
    Life GI Offer: Up to $200,000 (Employee).
    Long Term Care Rider:

    Includes Long Term Care Rider.

     Summary: Exceptionally high GI for employees plus LTC rider.
    Monthly Rate (Age 40, $50k): $72.79     		GI Offer: Usually less than $100,000 (Employee).
    Long Term Care Rider: Not included or available with other carriers.
    Summary: Slightly lower premium. No LTC Rider. Lower GI amounts.
    Monthly Rate (Age 40, $50k): $69.04

    This summary is for informational purposes only. Rates and benefits are subject to the terms, conditions, and limitations of the official policy documents. Please refer to the full proposal for complete details.

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