Life can be full of twists and turns, but life insurance can help you be better prepared and protect the people most important to you. Term to Age 80 Life Insurance can assist your loved ones with final expenses and costs of day-to-day living.
Initial term period is to age 65.
Premiums are locked-in until age 65.
Living Benefits if you are diagnosed with a terminal illness or undergo an organ transplant.
This information is only an outline of The Union Labor Life Insurance Company's Term To Age 80 Life Insurance features. Once approved for coverage, it is important that you read your Insurance Policy for the exact benefits, terms and conditions of this insurance plan as benefits, limitations, and exclusions may vary by age and State.
(1) Fees apply. Use of accelerated death benefits will result in a reduction of the face amount. An administration fee of up to $150 may also apply and the benefit you receive may be taxable. You should consult a tax advisor for more information. Please check your policy for full details. Your beneficiary will be paid the remaining life insurance benefit, if any, upon your death.
No medical exam may be required for members under age 55 who choose benefit amounts of $300,000 or less.
You are eligible to apply for $10,000 of coverage for ALL unmarried dependent children at least 14 days old and under 25 years old. (1)
30-Day No Obligation
(1) Provisions vary by state. Coverage for a dependent child stops on the date he/she ceases to be a dependent or reaches 25 years old. Please contact us at 1-888-292-7749 for more information.
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.