Eligibility

Individuals who are age 18 through 55 at the time coverage begins, are performing all occupational duties on a full-time basis (30 or more hours per week), and have at least 30 days continuous service except for minor interruptions of not more than a total of five days. New Individuals become eligible following 30 days of continuous employment or following a longer waiting period.

Eligible Dependents

An Individual’s lawful spouse age 18 up to 55 at the time coverage begins who is not an eligible Individual. Underwriting Coverage is underwritten based on the medical questions on the application and build chart. Coverage is issued on an accept/ reject basis.

Life Insurance Benefit

Plan A - $25,000       Plan B - $35,000       Plan C - $50,000

This benefit provides level term life insurance for 20 years.
If the full death benefit is paid, the entire policy will terminate with no further benefits.

Return of Premium Benefit*

The Return of Premium benefit is equal to the cumulative annual premiums paid on the policy multiplied by the appropriate percentage contained in the Schedule of Cash Values in the policy. No Return of Premium benefit will be paid in the event the insured dies while the policy is in effect.