Life Insurance

• Employee: Benefit amount equal to two times (2X) your annual base salary, to a maximum of $500,000
• Spouse: $10,000 benefit amount
• Child(ren): $5,000 ($500 birth to six months) benefit amount

You are automatically enrolled, and the coverage is provided at no cost to you.

• Employee: Up to eight times (8X) your annual salary. The maximum benefit amount is $1.5 million.
  
• Spouse: If you elect supplemental life for yourself, you can also purchase additional life insurance for your spouse. You may elect up to $150,000 in $10,000 increments.
• Child: If you elect supplemental life for yourself, you can purchase additional life insurance for your child(ren) in the amount of $5,000 or $10,000 ($500 birth to six months).

Benefit amount equal to two times (2X) your annual average salary, to a maximum of $500,000. You are automatically enrolled and the coverage is provided at no cost to you.

• Employee: Up to eight times (8X) your basic annual earnings, to a maximum of $1,500,000.
• Families: Spouses covered at 50% of your coverage amount and your child(ren) covered at 10% of your coverage amount.
• Spouse, no child(ren): Your spouse covered at 60% of your coverage amount.
• Child(ren), no spouse: Your child(ren) covered at 15% of your coverage amount.

PLAN AHEAD NOW.

Our Permanent Life Insurance plan can help to protect your family’s quality of life – after you’re gone or while you’re still living.

What makes Permanent Life Insurance different?

Permanent Coverage: As long as the premium payments are maintained, the policy never expires, and the premium always remains the same.

• Lock in a lower premium now to help you save money in the future.

Living Benefits: The Accelerated Death Benefit (ADB) for Chronic Condition Rider is an added feature to help if you are diagnosed with a chronic condition that is expected to be permanent.

• Benefits can be used to pay for any expenses you may have:
• Household or credit card bills
• Costs for an assisted living facility or for care provided by a loved one such as a spouse or child.
  
• There are no restrictions on how you use the benefits.
  

• Guaranteed Acceptance: No physical exams or health questions are required for newly eligible employees to apply for coverage.
• Coverage Options: You can purchase coverage for yourself and your spouse that includes the accelerated benefit for chronic conditions.

            • Employee: $20,000 – $100,000 benefit, not to exceed 5x your base salary

            • Spouse: $10,000 – $30,000 benefit

• Cash Value: This policy builds cash value, which you can use to buy a paid-in-full policy with no more premiums due or take out a loan against the cash value on the policy.
• Portable Coverage: You can take this coverage with you if you change jobs or retire.