PAYROLL DEDUCTION WHOLE LIFE INSURANCE
|
|
- Herbert George
- 6 years ago
- Views:
Transcription
1 Voluntary Payroll Deduction Insurance PAYROLL DEDUCTION WHOLE LIFE INSURANCE Pay to 100 and Paid Up at 65 cinfin.com Form CLI (11/16) Page 1 of 4
2 The Cincinnati Life Insurance Company PAYROLL DEDUCTION WHOLE LIFE INSURANCE Whole life insurance is permanent life insurance that provides a guaranteed death benefit, level premiums that are guaranteed for the life of the policy and guaranteed cash values that remain in place as long as you pay the scheduled premium. Permanent life insurance combines a death benefit with a cash value that grows tax deferred over time. You choose to participate The Payroll Deduction Whole Life Insurance program is voluntary. It offers flexibility to build an insurance program that meets your needs and budget. Your spouse, children and grandchildren are also eligible for insurance coverage. Your premiums are conveniently deducted from your paycheck You pay your premiums through the convenience of payroll deduction, so there s no more worrying about writing checks or mailing payments. No medical exams are required You can apply for coverage by completing a simplified application. You own the policy Cincinnati Life s Whole Life insurance policy provides individual coverage, and you are the owner of your policy. Your policy is portable. If you leave your employer or retire, you may continue coverage by paying the scheduled premiums directly to Cincinnati Life at the same premium with no change in coverage. Cost-effective life insurance protection Consider the following nonsmoker rate examples on how much coverage you can purchase for a few dollars a week. Employee or Spouse Age Life insurance Premium Pay to $21,259 $5 Paid Up at $17,199 $5 Pay to $29,763 $7 Paid Up at $24,072 $7 Give your family the added financial protection they may need in the event that something unexpected happens. Cover your children, stepchildren and legally adopted children, ages 15 days through 18 years, for an additional $1 per week with the Children s Term Life Insurance Rider. Each child is insured with $10,000 of life insurance. Conditional coverage the day you sign Your coverage becomes effective on the date you sign the payroll deduction authorization and the application, as long as all applicants to be insured are acceptable under Cincinnati Life s underwriting guidelines. Policy issuance may depend on the answers to the health questions in the application. Form CLI (11/16) Page 2 of 4
3 Guaranteed cash value Cash value is the amount of money and interest accumulated in a whole life insurance policy. Whole life insurance provides guaranteed cash values. Those values are stated at the beginning of the policy, grow tax deferred and are not affected by market fluctuations. Cash values may not be available in the first several policy years. The cash value is payable to the policyowner upon the policy s surrender and will be reduced by any indebtedness. You can customize your policy to meet your needs Accidental Death Benefit Rider (01901)* This rider is available to you, your spouse, children and grandchildren ages 1 through 60. It provides an additional death benefit equal to the initial amount of insurance. This benefit is payable if the insured dies as a result of an accident before age 70 for Pay to 100 or before age 65 for Paid Up at 65 policies. You have options for the future After the policy has cash value, you may choose to borrow from the cash value, you can elect reduced paid-up insurance which allows the cash value to pay the premiums for a period of time or elect extended term coverage and cease ongoing premium payments. You can cover your entire family Several options are available to help protect your family. You choose who to cover and how much coverage is necessary. You are not required to purchase a policy on yourself in order to cover your spouse or dependents. Coverage for you and your spouse You may apply for a Whole Life insurance policy on you and your spouse. Issue age eligibility varies by product: Pay to 100 ages 18 through 70 Paid Up at 65 ages 18 through 55 Coverage for children and grandchildren Cincinnati Life offers two ways to cover children. You may insure them under their own separate policy or a rider that is added to your policy or your spouse s policy. Individual life insurance You may apply for a Whole Life policy for your children, stepchildren, legally adopted children and grandchildren, ages 15 days through 18 years. You may also apply for Whole Life, Term or Term ROP for your children, stepchildren and legally adopted children ages who are full-time students, unmarried and not in military service. Children s Term Life Insurance Rider (CLI-671)* This rider is available to cover your children, stepchildren and legally adopted children when attached to either your policy or your spouse s policy. One premium covers all children, each with a death benefit of $10,000. To apply for this rider, you or your spouse must be ages 18 through 60, and the children must be ages 15 days through 18 years. Insurance on each child continues to age 25, even if the child marries or enters the military service. All covered children can purchase up to five times the amount of their rider coverage as they reach age 25, regardless of their health or occupation at the time they convert to their own policy. Accelerated Benefit Rider (CLI-680-CV)* This rider is available to you, your spouse, children and grandchildren ages 15 days through age 70 at no additional charge. It allows the policyowner to request up to 50 percent of the policy s face amount if the insured has been diagnosed by a physician with a terminal illness that is reasonably expected to result in death within 24 months or has been confined continuously for 90 days in a nursing home and is reasonably expected to remain there for the duration of the insured s life. One advanced payment is allowed per calendar year. The maximum lifetime benefit available is lesser of 50 percent of the death benefit or $250,000. The minimum benefit which can be advanced is $2,500. Disability Waiver of Premium Rider (01900)* This rider is available to you, your spouse, children and grandchildren ages 18 through 60. After four consecutive months of total disability, it waives the entire policy premium in the event that the insured is totally disabled. Therefore, insurance coverage continues during a time when paying premiums may be a hardship for you and your family. All premiums you paid from the first day of total disability are returned to you. * Rider eligibility subject to issue age limitations of the base policy. Form CLI (11/16) Page 3 of 4
4 Employee and dependent coverage work sheet Employee coverage Spouse coverage Name Name Date of birth SS # Date of birth SS # Benefit amount Premium amount Benefit amount Premium amount Whole Life death benefit $ $ Whole Life death benefit $ $ Accidental Death Benefit $ Accidental Death Benefit $ Children s Term* $ Children s Term* $ Waiver of Premium $ Waiver of Premium $ Total premium $ Total premium $ Individual policy for children and/or grandchildren Name Name Date of birth SS # Date of birth SS # Whole Life Whole Life Benefit amount Premium amount Benefit amount Premium amount Death benefit $ $ Death benefit $ $ Accidental Death Benefit $ Accidental Death Benefit $ Waiver of Premium $ Waiver of Premium $ Total premium $ Total premium $ Name Name Date of birth SS # Date of birth SS # Whole Life Whole Life Benefit amount Premium amount Benefit amount Premium amount Death benefit $ $ Death benefit $ $ Accidental Death Benefit $ Accidental Death Benefit $ Waiver of Premium $ Waiver of Premium $ Total premium $ Total premium $ * The Children s Term Life Insurance Rider may be added to either the employee or spouse policy, not both. This is not a policy. For a complete statement of the coverages and exclusions, please see the policy contract. All applicants are subject to eligibility requirements. Product and riders are available in most states. Some riders may not be available to all employer groups. Copyright 2016 The Cincinnati Life Insurance Company. All rights reserved. Do not reproduce or post online, in whole or in part, without written permission S. Gilmore Road, Fairfield, OH Mailing address: P.O. Box , Cincinnati, OH cinfin.com (9/12) Form CLI (11/16) Page 4 of 4
5 PAID UP AT 65 NONSMOKER WEEKLY Issue Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 0 $0.68 $ 1.35 $ 2.03 $ 2.71 $ 3.39 $ 4.06 $ 4.74 $ 5.42 $ 6.09 $ Form CLI B-NS (5/16) Page 1 of 2
6 PAID UP AT 65 NONSMOKER WEEKLY Issue Age $55,000 $60,000 $65,000 $70,000 $75,000 $80,000 $85,000 $90,000 $95,000 $100,000 0 $ 7.45 $ 8.12 $ 8.80 $ 9.48 $10.15 $10.83 $11.51 $12.18 $12.86 $ Copyright 2016 The Cincinnati Life Insurance Company. All rights reserved. Do not reproduce or post online, in whole or in part, without written permission S. Gilmore Road, Fairfield, OH cinfin.com. Mailing address: P.O. Box , Cincinnati, OH Form CLI B-NS (5/16) Page 2 of 2 (4/15)
7 PAY TO 100 SMOKER WEEKLY Age at contract date $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50, $ 0.90 $ 1.79 $ 2.69 $ 3.58 $ 4.48 $ 5.37 $ 6.27 $ 7.16 $ 8.06 $ Form CLI B-SM (5/16) Page 1 of 2
8 PAY TO 100 SMOKER WEEKLY Age at contract date $55,000 $60,000 $65,000 $70,000 $75,000 $80,000 $85,000 $90,000 $95,000 $100, $ 9.85 $ $ $ $ $ $ $ $ $ Copyright 2016 The Cincinnati Life Insurance Company. All rights reserved. Do not reproduce or post online, in whole or in part, without written permission S. Gilmore Road, Fairfield, OH cinfin.com Form CLI B-SM (5/16) Page 2 of 2 (10/12)
9 PAY TO 100 NONSMOKER WEEKLY Age at contract date $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50,000 0 $ 0.57 $ 1.13 $ 1.69 $ 2.26 $ 2.82 $ 3.39 $ 3.95 $ 4.52 $ 5.08 $ Form CLI B-NS (5/16) Page 1 of 2
10 PAY TO 100 NONSMOKER WEEKLY Age at contract date $55,000 $60,000 $65,000 $70,000 $75,000 $80,000 $85,000 $90,000 $95,000 $100,000 0 $ 6.21 $ 6.77 $ 7.34 $ 7.90 $ 8.47 $ 9.03 $ 9.60 $ $ $ Copyright 2016 The Cincinnati Life Insurance Company. All rights reserved. Do not reproduce or post online, in whole or in part, without written permission S. Gilmore Road, Fairfield, OH cinfin.com Page 2 of 2 Form CLI B-NS (5/16) (10/12)
11 PAID UP AT 65 SMOKER WEEKLY Issue Age $5,000 $10,000 $15,000 $20,000 $25,000 $30,000 $35,000 $40,000 $45,000 $50, $0.94 $ 1.88 $ 2.82 $ 3.76 $ 4.70 $ 5.64 $ 6.58 $ 7.52 $ 8.46 $ Form CLI B-SM (5/16) Page 1 of 2
12 PAID UP AT 65 SMOKER WEEKLY Issue Age $55,000 $60,000 $65,000 $70,000 $75,000 $80,000 $85,000 $90,000 $95,000 $100, $10.34 $11.28 $12.22 $13.17 $14.10 $ $ $ $ $ Copyright 2016 The Cincinnati Life Insurance Company. All rights reserved. Do not reproduce or post online, in whole or in part, without written permission S. Gilmore Road, Fairfield, OH cinfin.com. Mailing address: P.O. Box , Cincinnati, OH Form CLI B-SM (5/16) Page 2 of 2 (4/15)
PAYROLL DEDUCTION TERM LIFE INSURANCE
Voluntary Payroll Deduction Insurance PAYROLL DEDUCTION TERM LIFE INSURANCE Policy Form CLI-157 Term 10 Life Insurance Policy Form CLI-142 Term 20 Life Insurance cinfin.com Form CLI-20082 (11/16) Page
More informationAGENT S GUIDE TO UNIVERSAL LIFE INSURANCE
The Cincinnati Life Insurance Company Life Insurance AGENT S GUIDE TO UNIVERSAL LIFE INSURANCE LifeHorizons Simplicity UL* Policy Form CLI-137 Table of Contents Introduction... 1 Product features... 2
More informationAdult Base Plan Benefits
Whole Life Colonial Life s Whole Life 1000 is an individually owned, whole life insurance plan with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit. Coverage is permanent
More informationUnum Whole Life Plan
Whole Life Insurance Some features listed below may be applicable only to certain quotes and/or classes. Please see the "Plan Description" section of your Benefits Summary for specific plan details. Enrollment
More informationLife Insurance Guide
Life Insurance Guide Basic Life and AD&D Insurance: Company paid Choose between these coverage amounts during your enrollment 1.5 X base salary 50,000 Why the choice in Basic coverage? The value of group
More informationAvailable for the employee, spouse and juvenile. Two Plan Options
Universal Life Colonial Life s Universal Life 1000 is a flexible premium, adjustable death benefit life insurance plan that accumulates cash value, based on current interest rates. Employees can purchase
More informationMutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company
Mutual of Omaha Insurance Company United of Omaha Life Insurance Company Companion Life Insurance Company Product Portfolio Life Insurance BROKERAGE As of April 2017 For producer use only. Not for use
More informationGroup Life and AD&D Insurance Help protect your loved ones from financial hardship.
National Hospitality Services LLC Group Policy #164269 Group Life and AD&D Insurance Help protect your loved ones from financial hardship. Life insurance coverage is designed to help provide financial
More informationGroup Additional Life and AD&D Insurance Help protect your loved ones from financial hardship.
Kenyon College Group Policy #755071 Group Additional Life and AD&D Insurance Help protect your loved ones from financial hardship. Life insurance coverage is designed to help provide financial support
More informationTerm Life and AD&D Insurance
Term Life and AD&D Insurance Employee Benefit Booklet ROCHESTER COMMUNITY SCHOOLS EAB1000070-0001 Class 1-15 Products and services marketed under the Dearborn National brand and the star logo are underwritten
More informationTechnicians Insurance Program
Technicians Insurance Program Guaranteed coverage for Technicians. No health questions asked No proof of evidence of insurability Your acceptance to our insurance plans is guaranteed if you enroll during
More informationDearborn National Group Basic & Voluntary Term Life Insurance
Dearborn National Group Basic & Voluntary Term Life Insurance Effective Date: (pending underwriting approval) Voluntary Term Life Coverage: If you are an existing employee and you are increasing your current
More informationLifetime Benefit Universal Life
Lifetime Benefit Universal Life UL f r o m For nt/broker Use Only PRODUC SPECIFICAIONS Individual s ( Last Birthday) ( s ) Nontobacco User ( s ) obacco User ( s ) Minimum Size Band $,$, Band $, and above
More informationA meaningful benefit to help increase employee financial wellness. Group Whole Life Insurance FOR EMPLOYER USE ONLY. NOT FOR USE WITH EMPLOYEES.
EMPLOYER A meaningful benefit to help increase employee financial wellness Group Whole Life Insurance Better benefit solutions, greater employee confidence Improve your employee benefits program by offering
More informationA guide to your benefits
Basic and Optional Group Term Life Insurance and Basic and Optional AD&D Insurance A guide to your benefits You've made a good decision in choosing Anthem Life Plan Sponsor: Southern State Community College
More informationplus Universal & Term Life Insurance Client Brochure Policy Series 295/300/ (05/17) Americo
plus Universal & Term Life Insurance Client Brochure Policy Series 295/300/395 15-100-7 (05/17) Americo Your home may be your most valuable asset... Help provide peace of mind when you and your family
More informationGroup Life and AD&D Insurance Help protect your loved ones from financial hardship.
Diocese of Lafayette/Lake Charles Group Policy #164075 Group Life and AD&D Insurance Help protect your loved ones from financial hardship. Life insurance coverage is designed to help provide financial
More informationRiders to Enhance Coverage for Yourself and Your Family
Accumulation Builder Select Indexed Universal Life Riders This information complements, and therefore, must be accompanied by the Accumulation Builder Select IUL Brochure Riders to Enhance Coverage for
More informationGuaranteed Universal Life Insurance
Guaranteed Universal Life Insurance You have a picture of the way you want your life to go. Now imagine if something happens that not only changes your picture, it changes your life story. That s when
More informationUniversal & Term Life Insurance Client Brochure Policy Series 297/302/397
Universal & Term Life Insurance Client Brochure Policy Series 297/302/397 15-100-3 (05/17) Americo Your home may be your most valuable asset... Help provide peace of mind when you and your family need
More informationGroup Universal Life. For You. For Your Family. For Life.
Group Universal Life For You. For Your Family. For Life. TABLE OF CONTENTS Introduction 1 How the Plan Is Funded and Administered 1 Highlights Of The Program 2 Life Insurance 3 Employee Coverage 3 Family
More informationPROPOSAL FOR EMPLOYEES OF CLAIBORNE HILL SUPERMARKETS 410 HWY. 90 WAVELAND, MS PROPOSAL DATE: April 17, 2014
Underwritten by Transamerica Life Insurance Company PROPOSAL FOR EMPLOYEES OF CLAIBORNE HILL SUPERMARKETS 410 HWY. 90 WAVELAND, MS 39576 PROPOSAL DATE: April 17, 2014 PRESENTED BY: AL KAISER 8836 HANA
More informationColby-Sawyer College. Employee Term Life Coverage Basic and Optional Plans Dependents Term Life Coverage Accidental Death and Dismemberment Coverage
Colby-Sawyer College Employee Term Life Coverage Basic and Optional Plans Dependents Term Life Coverage Accidental Death and Dismemberment Coverage Foreword We are pleased to present you with this Booklet.
More informationTerm Life and AD&D Insurance
Term Life and AD&D Insurance Employee Benefit Booklet EGYPTIAN AREA SCHOOLS EMPLOYEE BENEFIT TRUST F019133-0001 Class 1-01 Products and services marketed under the Dearborn National brand and the star
More informationStandard Insurance Company Optional Life and AD&D Coverage Highlights University of Vermont
Optional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
More informationAmerican United Life Insurance Company Indianapolis, Indiana Certifies that it has issued and delivered a Policy numbered G 2535(T) E to:
American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to: Fifth Third Bank, Indiana, Trustee For The American
More informationTuskegee University. All Active Full Time Employees
Tuskegee University All Active Full Time Employees Employee Term Life Coverage Basic and Optional Plans Dependents Term Life Coverage Accidental Death and Dismemberment Coverage Basic and Optional Plans
More informationbenefit UNIVERSAL LIFE
benefi UNIVERSAL LIFE ul f r o m For nt/broker Use Only s ( Last Birthday) product specifications Standard ( s ) Nonobacco User ( s ) obacco User ( s ) Minimum $, Modal Factors Semiannual. Quarterly. Monthly
More informationCity of Santa Monica. Class 2
City of Santa Monica Class 2 Employee Term Life Coverage Basic and Optional Plans Dependents Term Life Coverage Accidental Death and Dismemberment Coverage Disclosure Notice FOR CALIFORNIA RESIDENTS Prudential
More informationProtective Custom Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6330 (08.14)
Protective Custom Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6330 (08.14) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they
More informationCERTIFICATE OF COVERAGE VOLUNTARY LIFE INSURANCE BENEFIT PROVISIONS
LifeMap Assurance Company TM 100 SW Market Street P.O. Box 1271, MS E-3A Portland, OR 97207-1271 (503) 721-7161 (800) 794-5390 CERTIFICATE OF COVERAGE VOLUNTARY LIFE INSURANCE POLICYHOLDER: PIERCE COUNTY
More informationSummary of Benefits SUNRUN, INC.
Summary of Benefits SUNRUN, INC. US Active Full Time Employees Basic Term Life, Basic Accidental Death & Dismemberment, Optional Term Life, Dependent Term Life, Optional Accidental Death & Dismemberment,
More informationSun Life Group Term Life Plan
Effective Date: July 1, 2015 Sun Life Group Term Life Plan Basic Life Insurance This insurance coverage is provided by your employer at no premium cost to you. Voluntary Life Insurance Your employer-paid
More informationTrustees of The Maine Automobile Dealer s Association, Inc. Insurance Trust
Trustees of The Maine Automobile Dealer s Association, Inc. Insurance Trust Employee Term Life Coverage Basic and Optional Plans Dependents Term Life Coverage Accidental Death and Dismemberment Coverage
More informationOptional Riders and Endorsements. Reference Guide
Optional Riders and Endorsements Reference Guide Customize Your Coverage Because every family and business situation can be unique, Protective Life has designed its policies for maximum flexibility. But
More informationVoluntary Life Insurance
Voluntary Life Insurance Benefit Highlights for CAJON VALLEY UNION SD What is voluntary life insurance? Voluntary life insurance is coverage that you pay for. Voluntary life insurance pays your beneficiary
More informationBECAUSE KEEPING PROMISES REQUIRES PLANNING
BECAUSE KEEPING PROMISES REQUIRES PLANNING Voluntary Group Term Life Insurance Issued by The Prudential Insurance Company of America (Prudential) 0290127 American Foreign Service Protective Association
More informationStandard Insurance Company Voluntary Life and AD&D Coverage Highlights Holland Enterprises, Inc.
Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your children
More informationEveryone deserves a better Tomorrow.
Everyone deserves a better Tomorrow. Trans$ure SM is interest sensitive whole life insurance with benefits that never decrease and premiums that never increase. Underwritten by Transamerica Life Insurance
More informationGroup Life, AD&D and Dependents Insurance
Group Life, AD&D and Dependents Insurance FOR EMPLOYEES OF FLEXTRONICS INTERNATIONAL USA, INC. Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About
More informationGuaranteed coverage you can keep for life. Illinois Municipal Retirement Fund Public Employee Financial Protection Plan
Illinois Municipal Retirement Fund Public Employee Financial Protection Plan Guaranteed coverage you can keep for life Group Decreasing Term Life Insurance 1000326-00001-00 National Conference on Public
More informationFG Life-Elite. Product Guide. Fixed Indexed Universal Life Insurance. For Producer Use Only Not For Use With The General Public
Product Guide FG Life-Elite Fixed Indexed Universal Life Insurance For Producer Use Only Not For Use With The General Public ADV 1312 (09-2012) Rev. 06-2014 14-369 FG Life-Elite Fixed Indexed Universal
More informationBENEFIT PLAN. What Your Plan Covers and How Benefits are Paid. Prepared Exclusively for California Institute Of Technology
BENEFIT PLAN Prepared Exclusively for California Institute Of Technology What Your Plan Covers and How Benefits are Paid Life Insurance, Dependent Life Insurance and Accidental Death and Personal Loss
More informationGroup Term Life Insurance Enrollment at a Glance Convenient, affordable life insurance offering financial protection for your loved ones.
Group Term Life Insurance Enrollment at a Glance Convenient, affordable life insurance offering financial protection for your loved ones. For the employees of: County of Imperial What is Group Term Life
More informationForty-Niner Shops, Inc.
NCSTD1_Value Employer Paid Short Term Disability Insurance This this text box here. A post process uses the text above to do a "Find/Replace" of variable text and the header. Tempalte: NCSTD_BHS Employer
More informationThe Roman Catholic Church of the Diocese of Phoenix
E EBL_Value Basic Life Insurance This this text box here. A post process uses the text above to do a "Find/Replace" of va- riable text and the header. Template: Bhs_life4 Basic Life Insurance Benefit Highlights
More informationUniversity of Rochester Group Life Insurance Guide Effective January 1, Protect your family s FINANCIAL FUTURE
University of Rochester Group Life Insurance Guide Effective January 1, 2018 Protect your family s FINANCIAL FUTURE Protect your family Save for your future To help protect your family s financial future,
More informationGroup Additional Life Insurance
Group Additional Life Insurance For Albuquerque Public Schools Answers to your questions about coverage from Standard Insurance Company About This Booklet This booklet is designed to answer some common
More informationFG Life-Choice. Product Guide. Fixed Indexed Universal Life Insurance. For Producer Use Only Not For Use With The General Public
Product Guide FG Life-Choice Fixed Indexed Universal Life Insurance II For Producer Use Only Not For Use With The General Public ADV 1310 (09-2012) Fidelity & Guaranty Life Insurance Company 12-395 FG
More informationPremium Interest Rates Fees Withdrawals and Loans 1035 Exchanges Policy Changes Riders Footnotes
Ultra Plus (2007) Quick Links Content Effective Date Key Features Target Market Product Type Face Amount Death Benefit Options Issue Ages Maturity Age Underwriting Classifications Premium Interest Rates
More informationGroup Voluntary Life Insurance
Group Voluntary Life Insurance For The University of Alabama System Answers to your questions about coverage from Standard Insurance Company Standard Insurance Company Group Voluntary Life Insurance About
More informationGroup Additional Life Insurance FOR EMPLOYEES OF BOULDER VALLEY SCHOOL DISTRICT
Group Additional Life Insurance FOR EMPLOYEES OF BOULDER VALLEY SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This Booklet This
More informationWAIVER OF PREMIUM DUE TO DISABILITY OF THE INSURED RIDER
WAIVER OF PREMIUM DUE TO DISABILITY OF THE INSURED RIDER MetLife Investors USA Insurance Company The waiting period for incontestability for this Rider is different from that in the Policy and begins on
More informationExtra Protection For Your Family
PUBLIC EMPLOYEE RETIREMENT SYSTEM OF IDAHO * Note The acceleration of life insurance benefits offered under this certificate is intended to qualify for favorable tax treatment under the Internal Revenue
More informationUSAble Term Life Plan
USAble Term Life Plan Employees must be in an eligible class as defined in the Application for Group Insurance, and actively at work and working on a full time basis in order to be eligible for coverage.
More informationCASHBACK LIFE INDEXED UNIVERSAL LIFE. Agent Sales Guide KANSAS CITY LIFE INSURANCE COMPANY FOR AGENT USE ONLY. NOT FOR USE WITH MEMBERS OF THE PUBLIC.
Agent Sales Guide INDEXED UNIVERSAL LIFE CASHBACK LIFE KANSAS CITY LIFE INSURANCE COMPANY FOR AGENT USE ONLY. NOT FOR USE WITH MEMBERS OF THE PUBLIC. Cashback Life Agent Guide Cashback Life portfolio background...
More informationGROUP BENEFIT PLAN SWEETWATER UNION HIGH SCHOOL DISTRICT
GROUP BENEFIT PLAN SWEETWATER UNION HIGH SCHOOL DISTRICT Supplemental Life and Supplemental Dependent Life TABLE OF CONTENTS Group Life Insurance Benefits PAGE CERTIFICATE OF INSURANCE... 3 SCHEDULE OF
More informationAflac Group Whole Life
Aflac Group Whole Life INSURANCE Most people think of life insurance as a benefit for the future. Let us show you how it can help provide peace of mind right now. AGC1803213 IV (9/18) AFLAC GROUP WHOLE
More informationCompanion Life Insurance Company
Companion Life Insurance Company Administrative Guide January 2010 Contents Section.Title About Your Companion Life Administrative Guide I. New Enrollments Who is Eligible for insurance? Processing new
More informationPORTSMOUTH PUBLIC SCHOOLS BENEFIT GUIDE
PORTSMOUTH PUBLIC SCHOOLS BENEFIT GUIDE Plan Year: January 1, 2017 December 31, 2017 Information Provided By: First Financial Group of America 3904 Oleander Drive, Suite 200 Wilmington NC 28403 1-800-924-3539
More informationProtective Strategic Objectives VUL VARIABLE UNIVERSAL LIFE INSURANCE Producer Guide
PLBD.5412 (02.16) Protective Strategic Objectives VUL VARIABLE UNIVERSAL LIFE INSURANCE Producer Guide Protective Strategic Objectives VUL is a dual purpose life insurance policy offering your clients
More informationPresented by: Amy Johnson, Senior Account Executive February16, (07/10) Americo For agent use only. Not for public use.
Presented by: Amy Johnson, Senior Account Executive February16, 2011 09-009-1 (07/10) Americo For agent use only. Not for public use. 1 Today s Agenda Product Review Home Mortgage Series LifeCrest Index
More informationGroup Term Life Insurance Enrollment at a Glance Convenient, affordable life insurance offering financial protection for your loved ones.
Group Term Life Insurance Enrollment at a Glance Convenient, affordable life insurance offering financial protection for your loved ones. For the employees of: Covenant Health, Inc. What is Group Term
More informationPacific PRIME UL-NLG Flexible Premium, Universal Life Insurance. Flexible and Efficient Asset Protection. Pacific Life Insurance Company PP-2D
Pacific PRIME UL-NLG Flexible Premium, Universal Life Insurance Flexible and Efficient Asset Protection PP-2D Pacific Life Insurance Company 1 Pacific PRIME UL-NLG Help Protect Your Assets with Life Insurance
More informationPL PROMISE GUL. Death benefit protection with the certainty of a guarantee. No-Lapse Guarantee Universal Life (GUL) Insurance 1.
Client Guide PL PROMISE GUL No-Lapse Guarantee Universal Life (GUL) Insurance 1 Death benefit protection with the certainty of a guarantee 1 PL PROMISE GUL No-Lapse Guarantee Universal Life Insurance.
More informationVisit us at
Unimerica Life products are underwritten by Unimerica Insurance Company and United HealthCare Insurance Company, Hartford Connecticut, except in New York. Unimerica Disability Products are underwritten
More informationVoluntary Term Life and AD&D Insurance
Voluntary Term Life and AD&D Insurance Employee Benefit Booklet MIAMI TRACE LOCAL SCHOOL DISTRICT MG21236-0007 Class 1-01 Products and services marketed under the Dearborn National brand and the star logo
More informationNATIONAL GUARDIAN LIFE INSURANCE COMPANY A Mutual Company Incorporated in East Gilman Street Madison, Wisconsin 53701
NATIONAL GUARDIAN LIFE INSURANCE COMPANY A Mutual Company Incorporated in 1909 2 East Gilman Street Madison, Wisconsin 53701 CERTIFICATE OF INSURANCE Policyholder: Beaufort County Government Policy Number:
More informationCERTIFIES THAT Group Policy No. GL has been issued to
The Lincoln National Life Insurance Company A Stock Company Home Office Location: Fort Wayne, Indiana Group Insurance Service Office: 8801 Indian Hills Drive, Omaha, NE 68114-4066 (800) 423-2765 Online:
More informationAmerican United Life Insurance Company Indianapolis, Indiana Certifies that it has issued and delivered a Policy numbered G 2535(T) E to:
American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to: Fifth Third Bank, Indiana, Trustee For The American
More informationP L A N I N F O R M A T I O N GROUP INSURANCE. Group Universal Life Dependent Child Term Life Optional Accidental Death & Dismemberment
P L A N I N F O R M A T I O N GROUP INSURANCE Group Universal Life Dependent Child Term Life Optional Accidental Death & Dismemberment Issued by The Prudential Insurance Company of America IFS-A093645
More informationBasic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview
Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Texarkana Independent School District Basic Term Life Insurance Coverage paid by your employer
More informationVOLUNTARY TERM LIFE BENEFITS SUMMARY PLAN DESCRIPTION
VOLUNTARY TERM LIFE BENEFITS SUMMARY PLAN DESCRIPTION August 1, 2009 TABLE OF CONTENTS DEFINITIONS...1 SCHEDULE OF BENEFITS...4 HOW TO FILE A CLAIM FOR BENEFITS...6 ELIGIBILITY...6 GUARANTEED INCREASE
More informationGROUP INSURANCE POLICY No PROVIDING LIFE INSURANCE DEPENDENT LIFE INSURANCE GL1101-TITLE PAGE NC 95 05/01/11
The Lincoln National Life Insurance Company A Stock Company Home Office Location: Fort Wayne, Indiana Group Insurance Service Office: 8801 Indian Hills Drive, Omaha, NE 68114-4066 (402) 361-7300 Group
More informationAMENDMENT NO. 4 TO BE ATTACHED TO AND MADE PART OF GROUP POLICY NO.:
AMENDMENT NO. 4 TO BE ATTACHED TO AND MADE PART OF GROUP POLICY NO.: 000010207847 ISSUED TO: ARUP Laboratories, Inc. It is agreed that the above policy be replaced with the attached Policy, which is revised
More informationAmerican United Life Insurance Company Indianapolis, Indiana Certifies that it has issued and delivered a Policy numbered G 2535(T) E to:
American United Life Insurance Company Indianapolis, Indiana 46206-0368 Certifies that it has issued and delivered a Policy numbered G 2535(T) E to: Fifth Third Bank, Indiana, Trustee For The American
More informationChapter Three LEARNING OBJECTIVES OVERVIEW. 3.1 General Policy Definitions
Chapter Three Types of Policies and Riders LEARNING OBJECTIVES Upon the completion of this chapter, you will be able to: 1. Define the terms endow, face amount, cash value and rider 2. Compare and contrast
More informationING Supplemental Term Life Insurance Plan
ING Supplemental Term Life Insurance Plan Effective Date: July 1, 2015 (pending underwriting approval) Supplemental Employee Life Insurance Your employer-sponsored basic life coverage provides important
More informationUL UNIVERSAL LIFE INSURANCE Producer Guide. Protective Advantage Choice
Protective Advantage Choice SM UL UNIVERSAL LIFE INSURANCE Producer Guide PLAG.3459 (01.15) Your clients financial situations and personal goals are unique to them. Helping them select the right policy
More informationAflac Life Solutions. We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years.
Aflac Life Solutions INDIVIDUAL WHOLE LIFE INSURANCE We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years. A68175CA IC(6/15) AFLAC LIFE SOLUTIONS INDIVIDUAL
More informationEverybody deserves a better tomorrow.
Everybody deserves a better tomorrow. TransElite Universal Life Insurance Underwritten by Transamerica Life Insurance Company TransElite is universal life insurance that helps provide financial protection
More informationMaximum $400,000 or 5x Annual Earnings, whichever is less Spouse $10,000 $10,000 $30,000 $50,000. 1x Annual Earnings (Ex.
Open Enrolment November 1, 2014 to November 21, 2014 Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Life insurance coverage can help your family meet daily expenses, maintain their
More informationVOLUNTARY GROUP TERM LIFE INSURANCE:
VOLUNTARY GROUP TERM LIFE INSURANCE: This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. The important plan
More informationProtective Custom Choice. UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6311 (07.14)
Protective Custom Choice SM UL UNIVERSAL LIFE INSURANCE Product Guide PLC.6311 (07.14) You worry about what would happen to your loved ones in the event of your untimely death. You want to make sure they
More informationForesters Strong Foundation Simplified Issue Term Insurance
Special offer extended by popular demand Foresters Strong Foundation Simplified Issue Term Insurance Now available up to $350,000 Available through to age 55 No exams, no fluids, no APS, no routine PHIs
More informationWelcome To Your New Group Life Insurance Plan
Central New Mexico Community College Enroll October 9-30, 2017 Effective January 1, 2018 Welcome To Your New Group Life Insurance Plan Your life insurance carrier is changing to Minnesota Life Insurance
More informationDisability Insurance Plans
Most of us depend on our paychecks to keep our lives running smoothly. What would we do if illness or injury kept us out of work for a long time and those paychecks stopped? It is something we do not like
More informationFIXED PRODUCT RIDERS. Agent Sales Guide. For Agent Use Only Not For Use With Clients KANSAS CIT Y LIFE INSURANCE COMPANY
Agent Sales Guide FIXED PRODUCT RIDERS KANSAS CIT Y LIFE INSURANCE COMPANY For Agent Use Only Not For Use With Clients Life Riders Life Riders Chart...Page 1 Accidental Death (ADB)...Page 2 Additional
More informationFG Life-Choice. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Choice Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1309 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 06-2013 13-129 FG Life-Choice Fixed Indexed Universal Life Insurance
More informationFG Life-Elite. Fixed Indexed Universal Life Insurance Consumer Brochure
FG Life-Elite Fixed Indexed Universal Life Insurance Consumer Brochure ADV 1311 (09-2012) Fidelity & Guaranty Life Insurance Company Rev. 10-2013 13-146 FG Life-Elite Fixed Indexed Universal Life Insurance
More informationLTX, INC. DBA LAWRENCE TRANSPORTATION SERVICES. Group Voluntary Term Life and Accidental Death & Dismemberment
LTX, INC. DBA LAWRENCE TRANSPORTATION SERVICES Group Voluntary Term Life and Accidental Death & Dismemberment Policy No. R0461822 Drivers Underwritten by Unum Life Insurance Company of America February
More informationChapter Three TYPES OF POLICIES AND RIDERS. 3.1 General Policy Definitions LEARNING OBJECTIVES OVERVIEW. Retention Question 1
Chapter Three TYPES OF POLICIES AND RIDERS LEARNING OBJECTIVES Upon the completion of this chapter, you will be able to: 1. Define endow, face amount, cash value and rider 2. Compare and contrast the types
More informationEveryone deserves a better Tomorrow.
Underwritten by Transamerica Life Insurance Company Customer Service: 1-888-763-7474 or www.tebcs.com Everyone deserves a better Tomorrow. TransElite is universal life insurance that helps provide financial
More informationGroup Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance
Group Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance For Active Members Of The State Of Nevada Public Employees Benefits Program Answers To Your Questions About Coverage From Standard
More informationCommunity College System of New Hampshire Basic Life, Additional Life, Spouse and Child Life, and Accidental Death & Dismemberment
Benefits at a Glance for Community College System of New Hampshire Group Policy # 152335 Effective Date January 1, 2011 (Date of last revision: 03/11/11) I. Basic Life and Accidental Death and Dismemberment
More informationACCUMULATION UL... 5 SOLUTION SERIES... 9 GUARANTEED WHOLE LIFE & FINAL EXPENSE...10
CONTENTS TRENDSETTER SERIES... 3 ACCUMULATION UL... 5 TRANSACE CV... 6 TRANSNAVIGATOR IUL... 7 SOLUTION SERIES... 9 GUARANTEED WHOLE LIFE & FINAL EXPENSE...10 TRANSAMERICA JOURNEY...11 Permanent life insurance
More informationLong-Term Disability. Income Insurance. Certificated, Administrative and Clerical Employees - Classic. Plan Designed Specifically For:
Effective 11-1-2014 American Fidelity Assurance Company s Long-Term Disability Income Insurance Plan Designed Specifically For: Certificated, Administrative and Clerical Employees - Classic Why Do You
More informationUniversity of Detroit Mercy. Your Group Life and Accidental Death and Dismemberment Plan
University of Detroit Mercy Your Group Life and Accidental Death and Dismemberment Plan Identification No. 467474 021 Underwritten by Unum Life Insurance Company of America 8/11/2014 CERTIFICATE OF COVERAGE
More information(03/17) Americo. Client Brochure
08-298-2 (03/17) Americo Client Brochure You work hard to give your family the very best. You make sure all of their needs are met and protect them in every way possible. You ve probably purchased insurance
More informationGroup Additional Life Insurance
Group Additional Life Insurance For the employees of Hennepin County Answers To Your Questions About Coverage From The Standard Group Life Insurance About This Booklet This booklet is designed to answer
More information