Group Life and AD&D protection provide covered employees with life insurance along with a stated amount of accidental death and dismemberment coverage. These benefits may be offered alongside a group medical plan or they can be purchased as stand-alone products.
Term Life
Planned Level-Premium Periods (e.g. 5, 10, 15, 20, 30 years)
Family Coverage Available
Waiver of Premium (employees only under the age of 60)
Accidental-Death and Dismemberment Tobacco/Non-Tobacco Rates (Renewal option & terms of renewal and qualifications for annual renewal is based on the specific term of the account).
Whole Life
Builds cash value at a guaranteed rate of return.
Employee Coverage issue age 18-70 (varies by situs state)
Spousal coverage available
No Medical Exams Required
Certificate holders and their families may apply for benefit amounts by answering only a few medical questions.
Tobacco/Non-Tobacco rates applicable to the certificate holder and spouse
Dependent child coverage
Accidental Death Benefit
Accelerated Benefit
Waiver of Premium
Portability option if the certificate holder changes jobs or retires