Voluntary Term Life Insurance

The Need for Term Life Insurance -

If an employee died tomorrow, how would their loved ones manage financially?  Would they have money to pay for final expenses?  Could they meet continuous living expenses such as the rent or mortgage, food, clothing, childcare, transportation costs, healthcare, etc?  Could they meet their long-range financial goals such as retirement or their children's education?

Term Life Insurance provides a death benefit for employees to help them establish basic financial protection for their families.

continued Voluntary Term Life Insurance -

Plan Benefits -

• Pays in addition to other insurance.

• Policy can be continued if an employee changes jobs.

• Individual Policy.

• Convenient payroll deduction.

Plan Features -

• Guarantee Renewable Term to Age 95.

• Premium Bands (rates banded by face amount).

• Initial Premiums guaranteed for 10 years.

• Employee may choose benefit amount.

• Benefit does not decrease with age.

• Advance Certificate of $5,000 available.

• Issue Ages 17 - 65.

• Guarantee Issue available up to $100,000 if specific requirements are met.

• Smoker & Non Smoker Rates.

• Unisex Rates.

Optional Riders -

• Family Insurance Rider.

• Children's Insurance Rider.

• Accidental Death & Dismemberment.

• Waiver of Premium.

The coverage described herein contains certain exclusions and limitations as well as terms under which such coverage can be continued or discontinued.  For costs and complete details of the plans and services advertised, including availability, please contact Employee Benefit Concepts, Inc.