Disclaimer: Kyle Penney is an independent Aflac 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 Aflac, they are subject to Aflac’s underwriting process, which may result in adjustments, denials, or changes to rates, coverage, or eligibility upon final review. 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.
