This plan provides guaranteed issue of coverage up to 3 times your annual salary or $350,000, whichever is less, if you enroll within 30 days of your benefits eligibility. If you do not enroll as a New Hire, you can enroll anytime with Evidence of Insurability. Premiums are age-based and will adjust according to age. The coverage amount must be in increments of $10,000. For a listing of rates, please see the enrollment form.

Once elected, you can designate your beneficiary on the enrollment form.

Spouse coverage is available for up to 50% of the amount of employee coverage, with a maximum of $100,000, if you enroll them within 30 days of your benefits eligibility or within 30 days from your date of marriage. If you do not enroll them within 30 days of their benefits eligibility, they can enroll anytime with Evidence of Insurability. Premiums are age-based and will adjust according to age. The coverage amount must be in increments of $5,000. 

Beneficiary designation for spouse coverage is automatically listed as the employee.

You may elect child(ren) Life Insurance coverage in the amount(s) of $5,000, $10,000, $15,000 or $20,000 for each eligible dependent child - no medical information required. Dependent Child(ren) are covered from 14 days to 26 years of age. Premiums are based on the amount of coverage and will not adjust based on age.

Beneficiary designation for child(ren) coverage is automatically listed as the employee.

• Accelerated Death Benefit - The Life Insurance Benefit amount will be reduced by the amount paid under the Accelerated Death Benefit.
• Wavier of Premium
• Travel Assistance
• Will & Trust Preparation
• Beneficiary Services
• Wealth Management Account