Advantages
PlanDirect's Advantages Over Other Individual Insurance Plans
With the number of retirees increasing each year, the demand for comprehensive and flexible individual health and dental insurance has grown. PlanDirect Insurance meets this demand by providing unmatched retiree health and dental coverage to satisfy you and your clients' needs.

• PlanDirect has a 98% approval rating and will cover a client's pre-existing medical conditions if the client is approved for one of our five plans.
• Plus, if a client has been covered by a Great-West Life Assurance Company group plan within the last 60 days, the client has guaranteed acceptance into our plans at our standard rates.
• Our plans have no lifetime maximums and no waiting periods.
• The flexibility of our administration system is second to none-we can work with a company to administer the plan in whatever way is necessary.

Your clients deserve coverage that will be there when they need it. Let PlanDirect help cover your clients' physical and financial well-being during their post-employment years.

Marketing PlanDirect
Why Employers Choose PlanDirect
Employers face some key challenges when it comes to providing their employees with post-employment insurance coverage:

• Employers want to provide employees with valuable and reliable coverage.
• The administration of retiree plans and claims takes up an extensive amount of staff time and effort.
• Poor retiree claims experience on an active group plan creates huge premium increases at renewal time each year.
• Future retiree benefits that are due to employees who leave the company must be accounted for as current liabilities, which decreases the company's earnings.
• Employers may not want to contribute to premiums, or may wish to contribute on a flat rate or percentage-of-premium basis.

PlanDirect addresses these challenges for employers-and associations-thereby saving them time and money they can use to maintain their active group benefit plan.