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 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.