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Life Insurance
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Product
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Key Features
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Our Advantages
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Brochures & Forms
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Group Term Life
American United Life Insurance
a OneAmerica company
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- Offers benefits to help beneficiary with immediate financial needs and future expenses in the event of an insured's death.
- Product offers to pay additional benefits if death is due to Accident.
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- Guaranteed Issue amounts up to $100,000 for eligible applicants
- Continuation of coverage and conversion options
- Dependent Coverage Available
- Premium paid via Payroll deduction
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Certificates:
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LifeTime Benefit Term
Fidelity Life Association
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- Term life insurance through age 120 with premiums guaranteed not to increase
- Coverage amounts up to $150,000 available for eligible employees
- Includes long term care protection, for up to 75 months of care
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- No medical exams
- Issuance of your coverage just depends on your answers to a few health questions
- Policy is yours…it can be taken with you should you leave employment
- Spouse and child coverage available
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10/20 Year Payroll Term
Kanawha Insurance Co.
a member of Humana family of companies
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- Two Plans available: 10 year term or 20 year term
- Guaranteed level premiums for term plan chosen so long as premiums are paid.
- Afterwards, annually renewable
- Eligible ages 18-70 for 10 year plan
- Eligible ages 18-60 for 20 year plan
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- Limited Health Questions
- Payroll deduction
- Spouse/child rider available
- No Medical Exam
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Whole Life Insurance
National Security Insurance Co.
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- Premiums and coverage are guaranteed up to age 121 as long as premiums are paid
- Plans available for children through age 17 for $9.75 per month
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- Only One Health Question
- Payroll deduction
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AD&D
Chubb
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Accidental death insurance provides 24-hour accident coverage on or off the job. |
- Low Rates
- Guarantee Issue Anytime
- Free Medex Travelers Assistance
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Graded Death Whole Life
Fidelity Life Association
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- Provides partial coverage immediately with full coverage starting in year three
- Active employee & spouse are eligible from ages 20 - 79 with coverage limits from $5,000 - $25,000
- Parent coverage available for ages 50 - 79 with coverage limits from $5,000 - $10,000
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- Guarantee issue for active employee & spouse
- Simplified issue for parents
- Payroll deduction
- Accelerated Death benefit for Long term Care included for active employee & spouse and as an optional benefit for parents
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Direct Pay Universal Life
Protective Life Insurance Co.
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- Life protection at affordable rates, with customized plan options specific to your situation.
- Can be permanent up to age 120.
- Fully Underwritten
- Bank draft only
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- Competitive pricing
- A-rated carriers
- Fully Customizable
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Brochure
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Request for Change Form
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Change of Beneficiary
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Direct Pay Term Life
Protective Life Insurance Co.
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- Term products to meet your needs with coverage from $100,000 and up
- Fully Underwritten
- Bank draft only
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- Guaranteed level premiums
- Low multi-term rates
- Conversion option available
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Brochure
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Request for Change Form
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Change of Beneficiary
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Note: This invitation to inquire allows interested individuals an opportunity to inquire further about insurance coverage and is limited in its description of the losses for which benefits may be payable. The contract has exclusions, limitations, reduction of benefits, and terms under which the contract may be continued in force or discontinued. If a choice of the amount of benefits is offered, the amount of benefits provided depends upon the coverage selected and premium can vary with the amount of benefits selected. If a range of benefit levels is present, the insured is only entitled to the benefit level shown in the contract.
Any payable benefit is based on a percentage of an employee’s covered earnings subject to insurance carrier’s approval, contract maximums, contract reductions, and according to contract terms and conditions. Group disability insurance contracts do not cover pre-existing. If an insured receives medical treatment or service or incurs expenses as a result of an injury or sickness within a time frame prior to the effective date, then the contract will not cover any disability which: 1) is caused by, contributed to by, or results from that injury or sickness; and 2) begins during a time frame after the effective date. Available to eligible applicants who have not been previously declined for coverage by AUL without medical underwriting during this one time period.
CES is a licensed insurance broker and receives compensation for the sales and marketing of insurance products. EBC receives compensation solely for administrative services related to the facilitation of payroll deductions.
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