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Why SBAM
Member Benefits
Member Benefits Overview
Certification Opportunities
Procurement Opportunities
Business Owner Networking
Advocacy Center
MainStreet Legislative Consulting Services
Attract & Retain Employees
Health, Dental & Vision Insurance
Life & Disability Insurance
Composite Rating
Professional Employer Organization
Pooled Employer Retirement Plan
Stunio Hiring Services
Axios Recruitment Solutions
Education & Training
Stay Compliant
Ask An Expert
Human Resources Solutions
HR Toolkit
COBRA Administration
Premium Only Plans & Flexible Spending Accounts
Summary Plan Descriptions
ERISA-ACA Compliance
Save Money on Expenses
Business, Lifestyle & Travel
Energy Solutions
Shipping Services
Collection Services
Be Protected & Secure
Legal Services
Workers’ Compensation Insurance
Cyber Risk Scanning Tool
Cybersecurity Solutions
Cyber Liability Insurance Coverage
Resources
SBAM Academy
Certification Opportunities
Business Owner Networking
BBB Education Foundation
Media Hub
FOCUS on Small Business Magazine
SBAM Webinar Archives
Wednesday Wisdom
Advocacy
Advocacy Center
Become An SBAM Advocacy Champion
Calls to Action
SBAM Policy Positions
2026 Small Business Election Center
2026 Small Business Voter Guide
2026 Endorsed Candidates
Small Biz PAC
SBAM Foundation
SBAM Foundation
Staff & Board of Directors
Donation Opportunities
Small Business Support Hub Program
SBSH Course Programs
Certification Opportunities for SBSH Hub Participants
Child Care Business Essentials
Women’s Entrepreneurial Fellowship
Michigan Entrepreneurship Score Card
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SBAM Staff
Board of Directors
Join Our Team
Refer a Small Business to SBAM
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See the Michigan Senate and House Candidates Endorsed by SBAM's Small Biz PAC
Endorsed Candidates
Life & Disability Insurance
Please fill out the form below.
SBAM OneAmerica Quote Request
Agent Name
(Required)
Agency Name
(Required)
Agent Email Address
(Required)
Agent Phone Number
(Required)
Company Name
(Required)
Company Contact Name
(Required)
Requested Effective Date
(Required)
Minimum Hours Per Week To Be Eligible
(Required)
Definition of eligible full-time employment can be as high as 40 hours per week or as low as 20 hours per week for employees and owners.
Basic Employee Life/AD&D
(Required)
None
$10,000
$15,000
$25,000
$30,000
$50,000
Salary BAE $100,000
Employee Life: $10,000–$500,000, not over 5× annual salary. Only available in increments of $10,000. Guarantee issue: $100,000. Include on the Census Employee Election Amounts.
Basic Dependent Life/AD&D
(Required)
Yes
No
Spouse Coverage = $5,000. Child coverage: $2,000 (6 months to age 26) and $500 (birth to 6 months). Dependent Life/AD&D can only be purchased in conjunction with Basic Life/AD&D
Basic Employee STD
(Required)
None
0/7/13 @ 66.67%
0/7/26 @ 66.67%
14/14/11 @ 66.67%
14/14/24 @ 66.67%
0/7/13 @ 60%
0/7/26 @ 60%
14/14/13 @ 60%
14/14/26 @ 60%
Basic Employee LTD
(Required)
None
90 Day / 5 Year
90 Day / SSNRA
180 Day / 5 Year
180 Day / SSNRA
Voluntary Coverage
Employee Voluntary Life/AD&D
(Required)
Yes
No
Employee Life: $10,000–$500,000, not over 5× annual salary. Only available in increments of $10,000. Guarantee issue: $100,000. Include on the Census Employee Election Amounts.
Spouse Voluntary Life/AD&D
Yes
No
$5,000–$25,000, not over 50% of employee Life. Include on the Census Employee Election Amounts.
Child Voluntary Life/AD&D
Yes
No
Child Life: $1,000 birth–6 months; $10,000 after 6 months. Include on the Census Employee Election Amounts.
Voluntary Employee STD
None
0/7/13 @ 60%
0/7/26 @ 60%
14/14/11 @ 60%
14/14/24 @ 60%
Voluntary Employee LTD
None
90 Day / 5 Year
90 Day / SSNRA
180 Day / 5 Year
180 Day / SSNRA
Upload Census
(Required)
Max. file size: 50 MB.
Please upload your census for employees enrolling including Names, DOB, Annual Salary. if electing Voluntary coverage, include Benefit Amounts for each.
Your Comments/Questions
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