UFG's Multiplan concept utilizes a 70 year old process, one that is well established in law, to permanently
segment employees into different classes. This allows for different benefit structures, thus reducing the total
company outlay. Every program is designed to provide substantial, meaningful, and cost-effective benefits
-- life, health, and retirement -- to all employees. UFG works closely with advisors to establish an overall benefit plan that:
Optimizes benefits under the current business profile
Encourages company growth
Adapts to change
Provides meaningful benefits to all rank and file employees
Provides substantial benefits for management in compliance with nondiscrimination rules
