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Benefits

Coverage available for ages 18-80.

Living Benefits if you are diagnosed with a terminal illness or undergo an organ transplant.

Collect up to 100% of the available benefits if you are diagnosed with a terminal illness and meet certain conditions.⁽¹⁾ OR
Collect up to $2,000.00 of additional benefits should you require a heart, lung or liver transplant.⁽²⁾

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^{This information is only an outline of The Union Labor Life Insurance Company's Individual Whole Life Insurance features. Once approved for coverage, it is important that you read your Policy of Insurance for the exact benefits, terms and conditions of this insurance plan as benefits, limitations, and exclusions may vary by age and State.}

⁽¹⁾^{Terminal Illness Rider currently not available in all states. The amount you receive will be reduced by certain fees, which vary by state. It is important that you read your Policy to determine what fees may apply to you. The benefits you receive may be taxable. You should consult a tax advisor for more information. Your beneficiary will be paid only the remaining life insurance benefit, if any, upon your death.}

⁽²⁾^{Organ Transplant Rider currently not available in all states. The amount you receive will be reduced by certain fees, which vary by state. It is important that you read your Policy to determine what fees may apply to you. The benefits you receive may be taxable. You should consult a tax advisor for more information. Use of this benefit does not reduce the Whole Life face amount benefit your beneficiary will be paid upon your death.}

Features

Guaranteed rates.

Guaranteed benefit amounts for the life of the policy.

When you reach age 100, the available cash value, minus loans or benefits already paid, will be payable to you.

No medical exam required.

Acceptance is generally based on your answers to a few health questions on your application.

Benefits remain level throughout the life of your coverage.

Automatic Loan Provision option available to avoid missing a premium payment.

This policy will build cash value that you can use to make a payment.⁽¹⁾

No rate increase for you and your spouse.

30-Day No Obligation.

You have 30 days from the date you receive your policy to review it. If you decide you don't want the coverage, cancel it and all premiums paid will be refunded to you. You'll be under no further obligation.

⁽¹⁾ Utilization of the Automatic Loan Provision reduces accumulated cash values and the death benefits.

Exclusions

Suicide is not covered in the first two years of the coverage. In Colorado, Missouri and North Dakota, suicide is not covered in the first year of coverage. In cases of suicide, benefits are limited to a return of premiums paid without interest.

Please contact 1-888-292-7749 for any questions regarding these exclusions.

This is a simplified Description of Benefits. This is not an Insurance Policy or Certificate. Benefits are administered according to the provisions of the Policy and premiums are charged according to the filed and approved rates. The information contained in this explanation is representative only. Once approved for coverage, it is important that you read your Policy of Insurance for more information. Some provisions, benefits, exclusions or limitations listed herein may vary depending on state of residence.

Misrepresentations on your application may affect your eligibility for benefits.

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