Originally Posted by Mike Siegal
question: You are saying that PT got a "individual plan" with a multi-life discount (insuring the family)? ----rather than a industry plan from a specialized provider?
Several carries offer multi-life discounts where the only qualification is a common employer.
Typically you're looking at three people with the same company.
They are not group plans and are fully underwritten (possibly simplified if benefits are low enough) but allow for a discount plus unisex rates.
This is big for women...
By the way, there are association discounts offered by carriers/agents who have relationships with various groups...