Transcription of Allstate Benefits Underwriting Guide
1 The Underwriting guidelines from Allstate Benefits were developed to inform producers of certain Underwriting criteria relating to business or occupational categories. As a workplace producer, you know that some businesses experience extra mortality, morbidity, accident hazards or poor persistency. Firms with high employee turnover should be avoided, regardless of the occupation, because they are costly to you, the writing agent, and to the company. For better persistency, solicit businesses that have been in operation for at least 3 a business is not on our list, but appears to be hazardous, call before writing the To Call UnderwritingUnderwriting GuideBusinesses and Occupations Underwriting for Workplace ProductsAllstate BenefitsABJ2069 Page 1 of 2It s All About Occupations and PersistencyIf a business is on our list and you know of extenuating circumstances that warrant special consideration, call to discuss you have a question about Underwriting criteria, please call and talk with we talk?
2 Ye sAllstate Benefits continually monitoring trends, shaping our Underwriting guidelines to help drive your success. We ve developed this Guide to make it easy for you to select the best customers to target and achieve Consideration?HazardousBusinesses No list can be all inclusive. See reverse for list of acceptable and unacceptable Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation. 2014 Allstate Insurance Company. or With One Year Employment and 25 or More Permanent Full-Time Employees Amusement Parks and Arcades Asbestos companies or Miners Associations (Individual Memberships) Babysitting Services Bars, Saloons,Taverns and Cocktail Lounges Barber/Beauty Shops Operating Out of the Home Bowling Alleys, Pool Halls Car Washes Circus or Carnival Employees Corrosive Chemical Industry (heavy acids, poisons and lethal gases) Crop Dusters Exposure to Radiation in Employment/Any Hazardous Waste Disposal Fraternal Organizations, Lodges and Clubs Garbage Collection Services Musicians and Entertainers Offshore Oil Drilling Outside Building and Window Cleaning Professional Athletic Teams/Clubs (Corporate Management and Clerical Personnel are acceptable)
3 Roofing Companies Taxi Cab and Limousine Rental Companies Trucking Companies engaged in hauling logs, gravel, pulpwood, explosives, garbage, oil field equipment or livestock, or any Trucking Company with less than 20 employees or Companies where the number of employees who are drivers is more than half of the total Underground MinersUnacceptableBecause of extra mortality, accident hazard or persistency experience, the following businesses are unacceptable as Allstate Benefits payroll cases:NOTE: In Multiple Employer Credit Unions, member companies whose business is on this prohibited list will not be considered. Employees of these businesses are not eligible for most of our Workplace products that are available on an individual direct bill mode of , SHOP, Heart-Stroke, Cancer and Critical Illness Policies OnlyThe following businesses will be considered for AP3 (off the job accident coverage), SHOP, Heart-Stroke and Cancer policies.
4 These categories are not eligible for other Workplace products. Construction Companies Gas Stations and Convenience Stores (Permanent full-time employees who receive employer provided insurance Benefits ) Janitorial Companies Landscape Maintenance Companies Logging/Saw Mill Companies Motels, Hotels or Inns Restaurants and Fast Food Outlets (Permanent full-time employees who receive employer provided insurance Benefits ) Structural Iron and Steel Erection (working at heights of one or two stories only) Building Wrecking Companies Excavating Companies Explosives and Firework Companies Gas and Oil Field Workers Structural Iron and Steel Erection (working higher than two stories)ABJ2069 Page 2 of 2
