Benefits at a Glance
Each eligible employee can select Whole Life Insurance with Long Term Care Rider on themselves, spouse and/or children. The policy is insured by Voya (formerly ING Reliastar)
Rates
Rates are based on age, amount and tobacco status. See a benefits counselor for details.
Benefits
Policy Amounts and Guarantee Issue
Employee * | Guarantee Issue: 15 to 50- $75,000; 51 to 65- $25,000 Contingent Issue: 66 to 70- $25,000 |
Spouse | Contingent Issue: 15 to 65 <$5/week or $5,000 |
Children / Grandchildren | Contingent Issue: 15 days to 24- $12,500; $15,000, $20,000 or $25,000 |
Web Easy Quote Engine Choose Premier WL
Amounts Above Guaranteed/Contingent Issue, are available with additional underwriting.
*Minimum: Greater of $4/week premium or $5,000
Contingent Issue – coverage is issued subject to the following questions:
- Has the proposed insured ever been diagnosed and/or treated for positive HIV or AIDS?
- Has the proposed insured sought or received care or treatment at a hospital, nursing home or has confinement been recommended (excluding pregnancy), within the last 90 days?
Plan is insured by:
Plan Design
Whole Life insurance is permanent coverage with death benefits and level premiums guaranteed for the life of the contract. Premiums do not increase with age. Employee is the owner of the policy and the coverage can be continued after retirement or termination of employment, with the same benefits and costs.
Enrollment
Plan Details, Riders and Required Forms
- Whole Life Application
- Whole Life Brochure, Buyers Guide
- Underwriting Authorization Form
- Replacement Notice
- Long Term Care Rider, Long Term Care Outline of Coverage, GA LTC Certification & LTC Supplemental Application
- ING LTC Replacement Notice
- Consumer Privacy Notice
Web Easy Quote Engine
Web Easy Quote Engine Choose Premier WL
Brochure
Details of plan in English
Life Buyers Guide
Privacy Notice
Optional Long Term Care Rider included
LTC Buyers Guide, LTC Certification, LTC Outline of Coverage
Prior Life Coverage
Some employees may have purchased Life Insurance through AllState/American Heritage. Plan information can be obtained through contacting Customer Service at 800-521-3535. The issuing agent is the only 3rd party that will have access to plan information.