1. New Business Process

2. New Business Process

3. Once the group has completed quoting and underwriting, and the employer has reviewed prescreen rates, the new business process begins.

4. New Business Documents
During the underwriting stage, the employer and employee disclosures and/or forms should have been completed and submitted.
Additional documents required for new business processing include:
Group Setup Form
ACH Processing Form
Administrative Services Agreement
Writing Agent Transmittal
The group’s most recent quarterly wage and tax statement

5. New Business Documents: Group Setup Form
Requests employer information, including:
Company type
Insurance contact information
COBRA and retiree information
Authorizations for key personnel

6. New Business Documents: ACH Payment Processing Form
Employers electing SafeGuard coverage must make monthly payments via automatic account withdrawals
This form collects all account information necessary to set up the automatic deductions, as well as required authorization

7. New Business Documents: Quarterly Wage/Tax Report
Employers must submit the most recent quarterly wage/tax report for verification of participation and validation of eligibility

8. New Business Documents: Administrative Services Agreement
This document establishes the administrative services contract which is to exist between USHL and the employer
All areas of services to be provided are identified and defined

9. New Business Documents: Writing Agent Transmittal
Information pertaining to the writing agent for the group, necessary for commission payments

10. New business documents are processed by underwriting and final rates are issued– these will match prescreen rates if there were no significant changes in the group census from the time of quoting.

11. Offer Delivery Two documents constitute SafeGuard offer delivery:
Offer of Excess Loss/Policy Schedule
Excess Loss Insurance Application

12. Offer Delivery
In order to accept the terms and conditions of the SafeGuard offer, the employer must:
Sign and return the excess loss insurance application (electronic delivery is acceptable)
Mail a check for the first month’s payment to
US Health and Life Insurance Co.
Underwriting Department
255 S Old Woodward Ave, Suite 300
Birmingham, MI

13. Enrollment
Once offer acceptance is received, along with the first month’s payment, enrollment begins
Within 48 to 72 business hours, participants are enrolled with USHL and network(s)
Subsequently:
A welcome letter and administrative kit goes out electronically to the group and agent
The excess loss insurance policy is mailed to the group
Group contact receives MPD and SPDs
Members receive ID cards

14. For additional information on SafeGuard, select an option below:
Speak with a Sales Representative
Contact USHL Sales Support at (844)
or send an to
Learn more about SafeGuard
Review SafeGuard Benefit Summaries
Review Frequently Asked Questions
Obtain a Quote
Excess loss insurance policies and PPO insurance plans underwritten by US Health and Life Insurance Company, Inc.  SafeGuard plans administered by US Health and Life Insurance Company, Inc. © 2017 US Health and Life Insurance Company, Inc. All rights reserved.

15. New Business Process