Specifications include, but are not limited to: The Proposing Group Life Insurance Company will provide SMUD with a fully-insured prospectively rated group insurance, critical illness, accident, and AD&D program for employees and dependents. The successful bidder(s) will provide a web-based, detailed administration and billing system with the ability to provide detailed reports and account management via phone, online and/or in-person. Reports will be provided online via website or email on a quarterly and annual basis, as well as ad-hoc requests. They will provide member services during operational hours M-F, 8-5pm PST at a minimum. The successful bidder(s) will provide processing for beneficiary designation records and an online Evidence of Insurability process with a paper back up process. SMUD’s payment of premiums will be self-billed.