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Reliance Standard SmartChoice®

Reliance Standard Life Insurance Company is a leading provider of financial protection, absence management and supplemental health benefits solutions, driven by technology and an integrated customer experience. We distribute these solutions through independent brokers and agents to employer groups of all sizes. 

Critical Illness Plan Highlights

Group size: 2+

States available: All but FL, MD, MN, MT, NY, & WA

  • Benefit options of $5,000, $10,000, or $20,000

  • Cancer, heart attack, stroke, kidney failure, and major organ transplant coverage

  • 200% Lifetime Benefit Maximum

  • Subsequent occurrence and recurrence benefits

  • Employers can pay all, partial, or none of the premium

  • Carve-outs are permitted for 2 or more eligible employees within a class

  • Two-year rate guarantee

  • 100% family-related or husband/wife groups available

  • Consolidated billing with Dental, Life, STD & LTD available

Dental Plan Highlights

Group size: 2+

States available: All but MD, MS, RI, SC, VT & WV

  • Premium savings up to 70%

  • Annual maximum benefit up to $2,500

  • No waiting periods

  • 80% coverage for all services including major

  • Employer funded or voluntary options

  • Discounts on laser surgery including LASIK

  • Optional two-year rate guarantee

  • True View and Sharper Vision plans provide access to national EyeMed & VSP networks

Long Term Disability Plan Highlights

Life Insurance Plan Highlights

Group size: 2+

Small Group (2-9) Product Highlights:

  • ​Optional Waiver of Premium and Accelerated Benefits

  • Will and Legal Document Center resources at no cost

  • Identity theft kit

  • Beneficiary Support

Large Group (10+) Product Highlights:

  • $100,000 GI

  • Dependent Life available

  • Accelerated Death Benefit

  • Smoke-free and wellness program discounts

  • Waiver of Premium (with a critical illness discount)

  • Conversion feature

  • Bereavement counseling

  • Flexible benefit schedule of Flat or Multiples of Salary

  • Worldwide travel assistance program

Vision Plan Highlights

Group size: 5-99

States available: All but MA, MD, & RI

  • Plans designed for employers seeking maximum flexibility

  • Employer funded or voluntary plan options

  • Four-year rate guarantee

  • Discounts on laser surgery including LASIK

  • True View and Vision Plans provide access to national EyeMed & VSP networks

Group size: 2+

States available: All states

Small Group (2-9) Product Highlights:

  • Guarantee Issue 

  • $7,500 monthly benefit

  • Pre-existing condition benefit

  • Two-year rate guarantee

  • Rehabilitation benefit

Large Group (10+) Product Highlights:

  • Monthly benefits up to $24,000

  • Benefit percentages of 40% to 66 2/3%

  • Partial and residual benefits available

  • Up to three-year rate guarantees

  • Worldwide travel assistance program

Short Term Disability Plan Highlights

Group size: 2+

States available: All states

Small Group (2-9) Product Highlights:

  • Guarantee Issue

  • Pre-existing condition benefit

  • Benefit percentage up to 70%

  • Weekly benefit to $1,500

  • Three-year rate guarantee

Large Group (10+) Product Highlights:

  • Benefit percentage up to 70%

  • Benefit duration up to 52 weeks

  • Claim services only option available

  • Partial and residual benefit available

Get in Touch

7900 International Drive, Suite 1040

Bloomington, MN 55425

Individual Products

800.620.5010, option 4

concierge@directbenefits.com

Group Products

800.620.5010, option 5

agentsupport@directbenefits.com

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