You are on page 1of 1

Base Life Insurance

Benefit $20,000
Guarantee Issue $20,000
Employee’s Original Life
Amount Reduces to
Reduction Schedule
65% at age 65; 40% at age 70;
25% at age 75
Disability Provision Premium Waiver 60
Conversion Included
75% of face amount;
Accelerated Death Benefit
24-month acceleration
Spouse $5,000;
Dependent Life
Child $2,000
AD&D Ultra® Matches Basic Life Benefit
Beneficiary Solutions Included

Disability Insurance
Flat $1,000; offsets are
Workers’ Compensation,
Monthly Benefit Primary and Family Social
Security, and Statutory
Benefits if applicable
Elimination Period 30 days

Own occupation
Definition of Disability 20% Earnings Loss
(80% Earnings Test)
Benefit Duration 24 months of benefits
Pre-Existing Condition Limitation 3/12
Occupational &
Types of Disability
Non-Occupational
Less than 15 days during
Separate Periods of Disability elimination period; less than 6
months thereafter
Mental Health/Substance Abuse 24 months of benefits
Waiver of Premium Included

Your Monthly Cost $0.00

You might also like