International Travel
When your clients travel internationally, their access to healthcare does not need to be limited by borders. Provide your clients the care they need from trusted doctors and hospitals whenever and wherever they need it most. The GeoBlue expat health plan program, underwritten by 4 Ever Life Insurance Company and administered by Worldwide Insurance Services LLC, covers expats and their families, combining unsurpassed personal service with innovative mobile technology. GeoBlue is a leader and innovator in serving the needs of world travelers. That's protection, enhanced.
Limited Benefits
Hourly employees with access to life and short-term disability insurance stand out in a crowd. So do their employers. Our limited benefit products enhance worksite benefits for otherwise uninsured hourly and seasonal workers. From term life insurance to short-term disability, 4 Ever Life provides basic yet essential benefits for cost-sensitive employees and employers. And, since no employer contributions are required to offer these simple yet meaningful coverages, 4 Ever Life's term life and short-term disability solutions are easy ways to provide employees access to group worksite benefits. That's protection, enhanced.
Group Universal Life
Conventional wisdom suggests the lower the risk, the lower the rate of return. Fortunately, the 4 Ever Life Group Universal Life program flips this logic upside down. Our program enhances life coverage by not only financially protecting families from the loss of a life, but by also offering cash accumulation interest rates returning a guaranteed minimum of 4%. When compared to bank CD rates, our cash accumulation feature is low-risk protection for your money with an enhanced rate of return. And the best part is, with 4 Ever Life rated “A-” by A.M. Best, you know your money is in safe hands. That's protection, enhanced.
Issuing Carrier
Connecting the dots on a complicated insurance deal can be a challenge. Between balancing the requirements of customers, underwriters, administrators, reinsurers, and regulators, the art of completing the deal is just that—an art. 4 Ever Life specializes in enhancing these types of opportunities. As an industry-leading issuing carrier, 4 Ever Life is licensed in all 50 states, Puerto Rico, and the District of Columbia. 4 Ever Life is also rated "A-"(Excellent) by A.M. Best, qualifying us to serve even your most important clients. From managing complex risk arrangements to filing forms and securing reinsurance, 4 Ever Life has you covered. That's protection, enhanced.
Excess Reinsurance
Sometimes, when it rains it pours—
especially when it comes to excess claim volatility. As a proven reinsurer, 4 Ever Life enhances excess reinsurance protection for our insurance company partners by shielding them from significant claim activity. With reinsurance protection, insurance companies are able to mitigate their risk exposure from volatile underwriting loss results. In other words, 4 Ever Life Excess Reinsurance is protection for protectors. That's protection, enhanced.
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