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BenefitsDirect

Customized Employee Benefit Programs

Douglas County Lifetime Life Insurance & Long-Term Care

Underwritten by Combined Life

This is the CHEAPEST and EASIEST WAY TO BUY LTC COVERAGE!

Life Insurance w/ Guaranteed Rates to age 120

  • Guaranteed rates to age 120, portable and individually-owned!  Other Group Life coverage decreases with age and premiums increase.

Long-Term Care Protection to Age 120

  • Pays 4% of Face Amount paid monthly for up to 75 months (6+ yrs)!

Accelerated Death Benefit for Terminal Illness                                    

  • Automatically included, 50% of face amount advanced if diagnosed with Terminal Illness!

Future Purchase Option

  • Protects future insurability, opportunity to increase coverage on annual basis, even as health status changes!

Limited Underwriting

Employee coverage

  • Up to $75,000 for employees, NO HEALTH QUESTIONS DURING INITIAL ELIGIBILITY ONLY
  • Up to $125,000 for employees, 3 HEALTH QUESTIONS DURING INITIAL ELIGIBILITY ONLY

Spouse coverage

  • Up to $62,500 for spouses, 3 HEALTH QUESTIONS

Child(ren) coverage

  • Child’s Term Rider benefit —covers all dependent children in family (18 and under on issue date, can remain on until age 26). NO HEALTH QUESTIONS

** PLEASE SEE YOUR BENEFITS ADVISOR REGARDING RATES FOR THIS PRODUCT **