Season's Greetings from USHL

Merry Christmas and happy holidays from the entire US Health and Life Insurance Company staff!

May the coming month be filled with many enjoyable moments, positive reflections on the past year, and an optimistic outlook for the year ahead.


As 2014 comes to a close, we'd like to express gratitude to those agents who have done business with us this year, and to encourage those new to USHL to include us in their business plan for 2015.


2015 USHL Agent Compensation Schedule

Now Available


Click here to download.  Highlights include*:


SafeGuard Self-Funding Plans

On a percentage of total monthly billing


6.0% for groups with 10 - 50 enrolled employees


5.0% for groups with 51+ enrolled employees


Top Producer Bonus Program

1%, 2% or 3% increase on qualified commission levels earned*


* refer to compensation schedule for specific details



SafeGuard Self-Funding

Offers Great Opportunities

for Agents and Groups in 2015


The new SafeGuard Self-Funding product from USHL offers great opportunities for 2015-- for employers to save money by eliminating costly premiums for insured coverage, and for agents looking for a foot in the door with groups unhappy with the current insured options available to them.



SafeGuard Self-Funding is an ideal fit for groups with 10 through 99 employees. Most groups which historically performed well in underwriting will experience a cost savings, and the plan mechanics will feel like traditional insured coverage pre-PPACA:



  • One level monthly payment
  • Tiered rates by contract type (single, couple, family, single plus children)
  • No administrative burden to the employer
  • No difference for members or providers at the point of service
  • Capped financial exposure for costly shock claims



Prepare yourself now for post-holiday sales appointments by reviewing the SafeGuard Self-Funding training modules, and download the marketing brochure and program guide.



Want to get group quotes now?  Click on the "Obtain a SafeGuard Quote" button, above right.


Birmingham and
Sterling Heights, Michigan


Holiday Schedule

The offices of USHL will be closed on the following days:

December 24

Offices close at noon EST


December 25 & 26

Offices closed


December 31

Offices close at noon EST


January 1, 2015

Offices closed

Pre- and Post-Sale Support

MI, IN, IL, WI and OH (non-EGP) Business



(844)  828-5968

EGP Business


 Sue LaCavera
(800) 229-2210 x 138

 Donna Sulhan
(800) 229-2210 x 119

Employer Driven Solutions from the Service Leader
Home Office
 8220 Irving Road  I  Sterling Heights, MI  48312  I  Tel  586.693.4400
Sales and Marketing Divisions
 255 S Old Woodward  I  Suite 300  I  Birmingham, MI  48009  I  Tel  844.828.5968
Copyright 2014. All Rights Reserved.                                                                  M_USHL_NL_HH_2014_12