Term Life Plan

  Essential Basic Plus
(Employer-contributory)
Essential Supplemental
(Voluntary)
Essential Basic
(Employer-contributory)
Employer Contribution 25% minimum Not applicable 25% minimum
Life Schedules Flat schedules up to $100,000

Class Schedules

Salaried Schedules

Additional amounts available with evidence of insurability.
2-9: $10,000 or $15,000

10+: Increments of $10,000 to $500,000, not to exceed 5 times employee salary

Additional amounts available with evidence of insurability.
$10,000, $15,000, $20,000
or $25,000
Guarantee Issue
Upwards of $75,000, based on participation and group size 2-9: $15,000

5-9: $25,000

10+: Upwards of $75,000 based on participation and group size
2-4: $15,000

5-9: $25,000
Participation Non-contributory: 100%

Contributory: 75% minimum
Not Applicable Non-contributory: 100%

Contributory: 75% minimum
Plan Features Waiver of Premium Provision to Age 60

Conversion
Age Reductions From original amount. 65 - 35%
70 - 50%
75 - 65%
80 - 80%
85 - 90%
Dependent Life Coverage Spouse: $5,000 or $10,000

Children ages 6 months to 25: increments of $1,000 up to $5,000

Children 15 days to 6 months: $1,000

Children 0 to 14 days: $500
Spouse: increments of $5,000, up to $10,000 or 50% of employee coverage, not to exceed $50,000

Children ages 6 months to 25: increments of $1,000 up to $5,000

Children 15 days to 6 months: $1,000

Children 0 to 14 days: $500
Spouse: $10,000

Children ages 6 months to 25: increments of $1,000 up to $5,000

Children 15 days to 6 months: $1,000

Children 0 to 14 days: $500
AD&D Option
Employees only.
Available on basic and supplemental.
Other Options Supplemental / Voluntary Life for employee and dependents.
 
Available in CA, FL, LA, MO, MT, OR, VA and WA.