Life Insurance

Protection your family can count on

Offered through employers, unions, and associations, the Family Protection Plan coverage offers financial protection with level death benefit and level premium to age 121, so your benefit amount will not decrease and premium payment will not change.

You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children, too.

Are you prepared for the unexpected?

The journey of life can be unpredictable causing families to reassess the need for additional financial protection to keep their future secure.

Coverage benefits

Customizable

With several options to choose from, select the coverage that best meets the needs of your family.

Ease of payment

Convenient payments through your employer using payroll deduction.

Keep the coverage

As long as premiums are paid, coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We bill you directly.

Acceleration of benefits

Pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life.*

Family coverage

You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children.**

Emergency death benefit

Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary.***

Quality of Life rider

Optional benefit payable directly to you on a tax favored basis for the following:

Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or
Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.

Family Protection Plan