Individual Term Life
A term life insurance product that offers three level term options (10-, 20- and 30-year), level death benefits, family coverage and guaranteed rates. It is guaranteed renewable to age 95 and convertible to age 75.
Group Term Life
A term life insurance product with flexible benefit designs. The product offers guaranteed-issue underwriting at initial enrollment with group rates. It is portable and convertible under certain conditions. Employer- and employee-paid options provide flexibility and allow employees to purchase additional coverage at group rates.
Individual Universal Life
A universal life product with flexibility that allows an employee to adapt to changing needs by varying face amounts and premiums. It also provides optional long-term care rider and restorationof benefits rider at an additional cost.
Individual Whole Life
A permanent whole life insurance product that provides guaranteed level premiums, guaranteed cash values and a guaranteed death benefit as long as premiums are paid when due and no loans are taken. Guaranteed-issue and simplified-issue options are available, as well as an optional long-term care rider at an additional cost.
Spouse and eligible dependent children coverage is available with all life products.