PRODUCT AND SERVICE CAPABILITIES
Through key relationships, we expand our capabilities to better serve our clients with advanced technology and a broad slate of options. North Carolina Mutual Life (NCML) offers state of the art products and services – combining the advantages of our internal operations and resources from our strategic partners. The cooperative arrangements we enjoy with select insurers, administrators, and other professional insurance organizations benefit our group clients and their employees and families.
Click below to read more about our products and services:
Life Insurance
Accidental Death and Dismemberment Insurance
Disability Insurance
Small Group Medical Insurance
Group Dental Insurance
Life Insurance
Accidental Death and Dismemberment Insurance
Today’s workforce is more diversified than ever. It ranges from single moms, single dads, and singles with no kids to employees with large extended families. This means your Group Life and Accidental Death and Dismemberment plans should meet the needs and demands of a diverse workforce.
We offer life insurance plans that are most affordable for your company and most suitable to your company’s needs. From Basic Term to Whole Life, we provide administration, underwriting and prompt service so your employees and their families can reach their future financial goals and get through difficult times of loss with the support and care they deserve.
GROUP LIFE AND AD&D PRODUCT FEATURES
- In-depth risk analysis and benefit programs designed to stabilize costs
- Efficiency in processing claims and resolving customer issues
- Offer high Guarantee Issue Amounts and Portability (subject to group size and availability)
STRATEGIC PARTNERSHIPS
NCML forms alliances with trusted and experienced partners to enhance product and service offerings. This approach provides a variety of competitive and flexible programs for companies seeking ways to improve benefit plan options for their employees.
AVAILABILITY
NCML offers these offers Group Life and AD&D plans in over 20 states using our policy forms. We also offer these products through Strategic Partnerships, which allow us to reinsure a portion of the insurance risk on products underwritten by large A-rated companies.
Disability Insurance
To meet the needs of employers and better serve their employees, NCML seeks alliances with trusted and experienced partners to expand its product offerings and provide greater options for companies wanting to offer effective benefits options to their employees.
NCML and Harleysville Life have come together to provide clients expanded access to group disability products: Long Term Disability and Short Term Disability – with service that is intimate and responsive.
This strategic alliance offers access to two regional carriers who have the highest quality products and the service delivery that is the hallmark of both organizations. NCML is one of the oldest and largest minority-owned and operated life insurance companies in the nation. Harleysville was founded in 1960 and ranks among the nation’s top 60 leading insurance companies according to A.M. Best Company.
GROUP DISABILITY PRODUCT FEATURES
- Seamless STD/LTD benefit plan designs offering rate savings and flexibility
- Early STD intervention and transition to LTD
- LTD Case Management features that address productivity, return to work and rehabilitation
A CO-BRANDED PARTNERSHIP
North Carolina Mutual:
- The only African American owned and operated insurance company offering direct employee benefits.
- The number one African American life insurance company listed among Black Enterprises BE 100.
- Licensed in 24 states and District of Columbia
- Rated A- (Excellent) by A.M. Best Company
- Multi-line risk portfolio with 82 percent in commercial lines, 18 percent in personal lines
- Distribution through 32 Eastern and Midwestern states
Small Group Medical Insurance
NCML offers small employer groups with 2-50 employees a solid platform of employee benefits while providing flexible benefits, affordable premiums and great customer service.
EMPLOYER SPONSORED HEALTH INSURANCE
Employers know a comprehensive and affordable health plan is critical when competing for and retaining quality professionals in a competitive employee market. With NCML you will have a champion with experience and knowledge to navigate the employee benefits market. NCML has proven expertise and commitment to the health insurance industry.
GROUP MEDICAL PLAN FEATURES
- Customized benefits to suit needs and affordable options.
- A variety of networks to choose from.
- $5 Million lifetime maximum
- Consumer Driven Health Plan options available.
- Preventive Care up to $500 a year
ADDITIONAL GROUP MEDICAL FEATURES
- Coverage is available for spouse and dependent children
- Freedom to choose any doctor
- Personalized service
- Prompt and accurate claims processing
- State-of-the-art online capabilities
- Comprehensive member education and communication
- Additional products available including: Life, AD&D, Dental and Vision.
AVAILABILITY
NCML offers these plans in several states, including North Carolina, Illinois, Indiana, Ohio, Georgia, and Tennessee. We are expanding into additional states. Please contact us to get a current list of states where this product is offered.
Group Dental Insurance
NCML offers employer groups a range of Dental programs. Even the most economical plans provide coverage for Preventive, Maintenance and Diagnostic services. Additional services are often part of a Dental program, including coverage for
- Major services, such as root canals and crowns
- Orthodontia for dependent children.
EMPLOYEE HEALTH AND SATISFACTION
Employee surveys show high satisfaction levels for Dental benefits. Employees like programs that are economical, and employers understand the advantages of offering employees a plan that helps to insure the overall health of the individual.
A healthy mouth contributes to everyone’s overall health, and dental exams may detect underlying health issues that can help prevent infection, heart disease, and other circulatory problems. A good Dental plan encourages employees and their dependents to get regular check-ups and stay healthy.
STRATEGIC PARTNERSHIPS
NCML works closely with a select few Dental service companies to offer optimal products and services to our clients and members. Combining Dental expertise, knowledge of local markets, and a commitment to service, these partnerships complement NCML’s group Life and other products. Through these relationships, NCML delivers flexible plan designs, ensures prompt service and claims payments, and supports the use of proven benefits advisors.
PRICING AND RATING
Dental plans are offered through fully insured group policies. Most employers with fewer than 200 eligible employees will find affordable programs that meet their needs and expectations by selecting from a set of standard benefits and rates. Larger employers - and those with an existing plan with a solid rate and experience history - can take advantage of customized pricing and benefit designs.
DENTAL INDEMNITY PLANS
Indemnity plans offer a range of deductibles and coinsurance levels, a selection of Categories for covered expenses, and annual maximum options. These programs allow members to use any qualified dental provider and pay benefits for covered expenses based on Usual, Customary, and Reasonable fees.
DENTAL DISCOUNT AND PPO PLANS
In addition to Indemnity plans that provide payments based on Usual, Customary, and Reasonable provider charges, NCML offers Discount and PPO plans.
Discount and PPO plans offer the advantages of dental provider networks. Under these plans, a member may use the services of a provider listed in the provider directory – claims are submitted directly to the Administrator by the provider.
AVAILABILITY
Indemnity, Discount, and PPO Dental programs are available in certain states – please contact us for up-to-date information.
FLEXIBLE BENEFIT OPTIONS
| Category of Dental Service | Description | Examples of Covered Services | Examples of Coinsurance |
| Type I | Diagnostic and Preventive | Oral Exams, X-Rays, Prophylaxis | 100% |
| Type II | Basic Restorative | Amalgam and Composite fillings, Root canal therapy, Periodontics | 100%, 80% |
| Type III | Major Restorative | Crowns, Dentures | 80%, 50% |
| Type IV | Orthodontia | Fixed or Cemented appliances | 80%, 50% |
Note: For greater plan design flexibility, certain services may be included in either Basic Restorative Or Major Restorative
ADDITIONAL DENTAL PLAN FEATURES
- Annual Maximums apply to Type I, II, and III services
- A separate Lifetime Maximum applies to Type IV services
- An annual deductible applies to Type II and III services
- Type IV services are optional - selected by the employer (minimum of 25 employees)
- Each category of Dental service has a specified coinsurance, e.g. 80%-20%, which expands plan flexibility
- Type I services are recommended at 100% coinsurance and with NO deductible to promote the member’s use of preventive services - and therefore a healthier mouth