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Underwriting Guidelines

	Minimum of 5 employees must be enrolled for employer-paid groups; 10 enrollees for voluntary groups.
	Minimum enrollment period is one year.
	Rates are guaranteed for up to 24 months from the group's effective date.
	Enrollments are effective the first of the month following submission of a complete and accurate group application, enrollment forms and a check for one month's premium.

Avesis' underwriter is rated "Excellent" by A.M. Best Company, indicating 'excellent financial strength, operating performance and market profile when compared to the standards by the A.M. Best Company.' (Source: A.M. Best)