International Marine Medical Insurance

Supplemental Programs

As a complement to the medical benefits, IMMI offers the following supplemental insurance programs. All amounts are in U.S. dollars.

Term Life and Accidental Death and Dismemberment Insurance

  • Group Life benefit automatically includes:
    • Term Life Insurance Benefit
    • Accidental Death Benefit
    • Dismemberment Benefit
  • 10 or fewer IMG insured employees: $10,000 minimum required
  • Guarantee Issue to $100,000
    • Additional underwriting $100,001 - $250,000
  • Group Life can be issued as a flat amount (e.g. $50,000) or by salary (e.g. 2 x salary)
  • Group Life ADEA Reduction Schedule
    • Less than age 65: Full amount payable ƒƒ 
    • Ages 65-69: 35% reduction ƒƒ 
    • Ages 70-74: 55% reduction ƒƒ 
    • Ages 75-79: 70% reduction ƒƒ 
    • Age 80+: 80% reduction
Dental Insurance Click for more information
Schedule of Benefits Click for more information

This invitation to inquire allows eligible applicants an opportunity to inquire further about the insurance offered and is limited to a brief description of any loss for which benefits may be payable. Benefits are offered as described in the insurance contract. Benefits are subject to all deductibles, coinsurance, provisions, terms, conditions, limitations, and exclusions in the insurance contract. The contract does contain a pre-existing condition exclusion and does not cover losses or expenses related to a pre-existing condition.