Disclaimer: Kyle Penney is an independent Colonial Life Benefits Advisor and SelectHealth specialist licensed in Idaho, offering group benefit solutions tailored to stewardship and employee care. All quotes provided are preliminary estimates based on initial information. For Colonial Life, quotes are subject to underwriting review, which may result in adjustments, denials, or changes to rates, coverage, or eligibility upon final approval; businesses with 10 or more employees may qualify for enhanced plan design options, including Diamond-tier coverage — ask Kyle for details on eligibility. For SelectHealth, quotes are subject to verification of group eligibility (e.g., minimum full-time employees working 30+ hours/week for small groups), plan availability in Idaho service areas, and potential rate adjustments based on group size, demographics, enrollment details, or other factors during final approval; small groups (2-50 employees) are guaranteed issue without medical underwriting denials per Idaho law, while large groups (51+) may involve experience rating or additional review. These are not binding contracts or guarantees.
