Ancillary - Length of Time in Business Requirements
To see more Ancillary - Length of Time in Business Requirements updates, go to our Underwriting Quick Reference Guides
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Aetna
Dental: Start-Ups are eligible with minimum 2 weeks of consecutive payroll
Vision: No special requirements
Life: Not offered
Disability (STD, LTD): Not offered
Anthem Blue Cross
Dental: Start Up form, same as medical
Vision: Start Up form, same as medical
Life: Start Up form, same as medical
Disability (STD, LTD): Must be in business at least 1 year
Blue Shield of California
Dental: Start Up form, same as medical
Vision: Start Up form, same as medical
Life: Start Up form, same as medical
Disability (STD, LTD): Not offered
ChoiceBuilder
Dental: Long enough to be able to provide payroll if requested, minimum 2 months. Exceptions can be made
Vision: Same as dental
Life: Same as dental
Disability (STD, LTD): Not offered
Delta Dental
Dental: No minimums
Vision: No minimums
Life: Not offered
Disability (STD, LTD): Not offered
Guardian
Dental: No minimums
Vision: No minimums
Life: No minimums
Disability (STD, LTD): LTD – groups in business less than 2 years need UW review
Health Net
Dental: Same as medical
Vision: Same as medical
Life: Same as medical
Disability (STD, LTD): Not offered
Humana
Dental: No minimums
Vision: No minimums
Life: No minimums
Disability (STD, LTD): Not offered
MetLife
Dental: Group must be in business at least 1 year, no start-ups
Vision: Group must be in business at least 1 year, no start-ups
Life: Group must be in business at least 1 year, no start-ups
Disability (STD, LTD): Group must be in business at least 1 year, no start-ups
Principal
Dental: Group must be in business at least 1 year, no start-ups
Vision: Group must be in business at least 1 year, no start-ups
Life: Group must be in business at least 1 year, no start-ups
Disability (STD, LTD): Group must be in business at least 1 year, no start-ups
UnitedHealthcare
Dental: Same as medical
Vision: Same as medical
Life: Same as medical
Disability (STD, LTD): Group must be in business at least 2 years
Unum
Dental: Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”
Vision: Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”
Life: Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”
Disability (STD, LTD): Group must be in business at least 2 years, however exceptions can be made with “New Business Questionnaire”
VSP
Dental: Not offered
Vision: No requirements
Life: Not offered
Disability (STD, LTD): Not offered
This guide has been created as a quick reference and does not replace the full underwriting guidelines published by each carrier
Please refer to the carrier guidelines for additional information