Employee’s Whole Life

Employee’s Whole Life

Employee’s Whole Life provides a lifetime of protection and value. 

Choose from a wide variety of policy riders to customize your Employee’s whole Life Policy:

  • The Accidental Death Benefit provides an additional health benefit if the insured dies as a result of an accident 
  • Children’s Insurance provides level term insurance on the children of the insured that can be converted to a permanent life insurance policy at a later date. Available for purchase. 
  • If you, the insured, become totally disabled, the Disability Waiver of Premium Rider can ensure your policy remains in force, and that your cash value continues to accumulate. Available for purchase. 
  • The Living Benefits Rider gives the policy owner access to a portion of the policy’s eligible death benefit should the insured be diagnosed with a terminal illness with a life expectancy of 12 months or less. Included at no additional cost but must be applied for. 
  • At the time of the insured’s death the Spouse’s Paid-Up Insurance Purchase Option gives the spouse/beneficiary the right to purchase a new paid-up life insurance policy on his or her life without evidence of insurability. Automatically included at no additional cost.