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Apply or Waive Coverage by 3/14/2025
Please complete the two simple steps below to confirm your coverage selection by 3/14/2025.
Guarantee Issue until 3/14/2025
One-time opportunity for employees to apply with no health questions up to certain plan limits.
Issue Age Rates
Rates are based on your age as of the policy effective date. Rates do not increase each year as you age.
Step 1 - Calculate Your Monthly Rates
Select your age as of 6/1/2025
Tobacco Status is based on a 12 Month Look Back for use of Cigarettes, Cigars, Smokeless Tobacco, and E-Cigarettes.
|
Benefit
|
Option 1
|
Option 2
|
Option 3
|
|---|---|---|---|
|
Life Insurance Benefit
|
$25,000
|
$50,000
|
$100,000
|
|
LTC Insurance Benefit
|
$75,000
|
$150,000
|
$300,000
|
|
|
Select age
|
Select age
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
Select age
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
Select age
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
Select age
|
Select age
|
|
Benefit
|
Option 1
|
|---|---|
|
Life Insurance Benefit
|
$25,000
|
|
LTC Insurance Benefit
|
$75,000
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
|
Benefit
|
Option 2
|
|---|---|
|
Life Insurance Benefit
|
$50,000
|
|
LTC Insurance Benefit
|
$150,000
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
|
Benefit
|
Option 3
|
|---|---|
|
Life Insurance Benefit
|
$100,000
|
|
LTC Insurance Benefit
|
$300,000
|
|
|
Select age
|
|
Spouse Monthly Premium
|
Select age
|
|
Total Monthly Premium Without Marital Discount
|
Select age
|
|
Total Monthly Premium With Marital Discount
|
Select age
|
*In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.
We're Here to Help
Licensed long-term care specialists are available to assist you in understanding the plan and rates.
Call (877) 286-2852
LTCiBenefitsTeam@ltc-solutions.com
Schedule A Consultation
Apply Now
Take advantage of this benefit and safeguard your future tomorrow.