Term Life Insurance

Term life insurance is not just a benefit payment upon death; it also offers helpful features that employees can enjoy in life. Our term life insurance includes the flexible features you need to create a plan tailored to your company’s needs.

Plan features

• Waiver of premium – flexible designs for elimination periods, termination and disability definitions
• Living care benefit – options from 25 to 80 percent and $25,000 to $500,000
• Liberal benefit maximums and guarantee issue amounts – options from $10,000 to $500,000. Approval is required for amounts over $500,000.
• Dependent coverage – additional coverage for spouse and dependent children
• Portability – options for both employee and spouse to easily maintain the features and benefits of their current coverage; ported coverage does not terminate when master policy terminates
• Total Access Benefit Services – a secured, interest-bearing checking account for beneficiaries when benefit amount is $10,000 or more

Optional add-ons

• Accidental death & dismemberment – several unique suites including travel, family and catastrophe
• FMLA Administration – full-service assistance with Family Medical Leave Act (FMLA) Administration
• Travel Assistance* – help during emergencies away from home
• Employee Assistance Program – Basic and Comprehensive plans available

For more information

Contact your benefits adviser or local group sales and service office

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