Life insurance can help you plan for the future.
PROTECT THE PEOPLE WHO MATTER MOST
Get peace of mind and protection for loved ones with life insurance. Life insurance can help your loved ones pay for funeral costs, cover bills and ongoing living expenses, pay off debts, finance future needs and protect retirement plans.
How life insurance works.
Get the coverage that’s right for your needs
No matter where you are in life, you can get coverage that’s right for your needs with options that can help you protect your family’s future.
-Benefits are typically paid tax-free to the person you choose to receive your benefits.
-Life insurance policies are portable, so you can keep your coverage if you change jobs or retire.
-Guaranteed‐issue coverage may be available for some plans, which means no medical questions or exams are required to be eligible for coverage.
Prepare for the unexpected with accident insurance.
ACCIDENTS CAN HAPPEN ANYTIME, ANYWHERE
If you experience a covered accident or injury, accident insurance provides a lump-sum benefit that can be used to help you pay for out-of-pocket expenses, such as doctor bills, co-pays or emergency room fees.
Out-of-pocket medical costs add up.
Breathe easy with accident insurance for whatever life throws your way. If you suffer from a fracture, dislocation or other covered accidental injury, accident insurance can help offset unexpected medical expenses that aren’t covered by your medical insurance. Depending on your policy, accident insurance can help cover expenses resulting from your covered accident like:
-Emergency room visits, X-rays, diagnostic exams, physical therapy and follow-up treatment
-Ambulance or air ambulance to a hospital
-Hospital stays, travel or lodging expenses related to your accident
Accident insurance policies can provide you with a lump sum paid directly to you that will help pay for a wide range of situations, including initial care, surgery, transportation and lodging, and follow-up care. Here’s how it works:
-A set amount is payable based on the injury you suffer and the treatment you receive.
-Benefits are payable directly to you (unless you specify otherwise) and can be used as you see fit.
-Coverage is available for you, your spouse and eligible dependent children.
-You do not need to answer medical questions or have a physical exam to get basic coverage.
-Accident insurance covers injuries that happen on the job or off the job, unlike workers’ compensation, which only covers on-the-job injuries.
-Benefit payments are not reduced by any other insurance you may have with other companies.
For Accident and/or Life Insurance, please call the Service Center.