GEO Group - The Global Employer's Option

Term Life and Accidental Death and Dismemberment Insurance

  • Available up to $250,000 per employee
  • 10 or fewer IMG insured employees: $10,000 minimum required
  • 11 or more IMG insured employees: Optional - No minimum required
  • Group Life benefit automatically includes:
    • Term Life Insurance Benefit
    • Accidental Death Benefit
    • Dismemberment Benefit
  • 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 (Age Discrimination in Employment Act of 1967)
    • Less than age 65: Full amount payable
    • Ages 65-69: 35% reduction
    • Ages 70-74: 55% reduction
    • Ages 75-79: 70% reduction
    • Age 80+: 80% reduction

Daily Indemnity Insurance

  • Benefit pays $100 for every day of eligible in-patient hospitalization
  • Cash benefit payable directly to the employee
  • $25,000 lifetime maximum benefit
  • Group Life Insurance required

Exclusions: Pregnancy or related conditions; Hospitalization which begins before the day of a scheduled surgery or procedure; Spouse and children are excluded.


Dental Insurance

Calendar Year Maximum per Person
Option 1 Option 2 Option 3
Calendar Year Maximum per Person $1,000 $1,000 $1,500
Individual Deductible $50 $50 $50
Family Deductible $150 $150 $150
Schedule of Benefits
Option 1 Option 2 Option 3
Class I, Diagnostic, Preventive (Emergency Palliative Treatment - not subject to deductible) $1,000 $1,000 $1,500
Class II, Basic Service (X-Rays, oral surgery, extractions, endodontics, periodontics, anesthesia) $1,000 $1,000 $1,500
Class III, Major Services (Prosthodontics (bridges, partial dentures), Major restorative services (crowns, inlays)) $1,000 $1,000 $1,500
Class IV Orthodontia (available to age 19 years) $1,000 $1,000 $1,500

GEO Platinum USA Benefits Rider

This rider is available to U.S.-based employers that wish to provide enhanced benefits more in line with U.S.-style health care plans. The rider adds the following benefits:

  • Unlimited lifetime maximum
  • Coverage for preventive services at 100%
  • Extends dependent coverage up to age 26 provided dependent is not eligible under any other health care plan and a full-time student
  • Waives pre-existing condition limitations on children under the age of 19

Prescription Drug Card

  • $10/ $20 - U.S. Drug Card
  • $15 / $30 - U.S. Drug Card


Adventure Sports Rider

The Adventure Sports Rider is available for those up to the age of 65. The following activities are covered to the lifetime maximum amounts listed below as long as they are engaged solely for leisure, recreation, or entertainment purposes: abseiling, BMX, bobsledding, bungee jumping, canyoning, caving, hang gliding, heli-skiing, high diving, hot air ballooning, inline skating, jet skiing, jungle zip lining, kayaking, mountain biking, parachuting, paragliding, parascending, piloting a non-commercial aircraft, rappelling, rock climbing or mountaineering (ropes and guides to 4500m from ground level), scuba diving (to 50m), skydiving, snorkeling, snow boarding, snowmobiling, snow skiing, spelunking, surfing, trekking, whitewater rafting (to Class V), and wildlife safaris, and windsurfing.  All such activities must be carried out in strict accordance with the rules, regulations and guidelines of the applicable Governing Body or Authority of each such activity. Certain sports activities are never covered, regardless of whether or not you purchase the Adventure Sports Rider. Please see exclusion 8 in the exclusions page. Please note this is only a summary of Adventure Sports and exclusions. For additional information, please refer to the Certificate of Insurance.

Age Lifetime Maximum
0-49 $50,000
50-59 $30,000
60-64 $15,000

* This Web page contains only a brief summary of current benefits, conditions, limitations and exclusions, and is subject to all the terms and conditions of the full Certificate of Insurance. The complete Certificate of Insurance with all terms, conditions and exclusions will be included in the fulfillment kit sent to approved applicants.  These plans are amended, modified or replaced from time to time, and IMG reserves the right to issue the most current Certificate of Insurance for this insurance plan in the event this Web page, application, and/or brochure has expired, is modified, or is replaced with a newer version. Samples of current Certificate wordings are available upon request.