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 LIFE INSURANCE
- Term Life Insurance – provides temporary insurance coverage
for a specified period of time. Term Life allows each employee
to obtain large amounts of protection at a very affordable price
to keep the employee’s family financially whole in the
event of the employee’s death.
- Universal Life Insurance – provides
a permanent level premium life insurance combined with a tax-deferred
cash value account. Permanent insurance gives your employees
life insurance protection with the opportunity to accumulate
savings for the long term. The advantages of Universal Life
are flexible premium and/or death benefit options. Universal
Life may be offered with a variety of “Living Benefits” that
include:
- Waiver of Premium Due to Disability
- Lay-Off Provision
- Accidental Death & Dismemberment
- Terminal Illness Rider
- Critical Care Rider
- Portability
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