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!
- 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
- Up to $62,500 for spouses, 3 HEALTH QUESTIONS
- 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 **