Universal Life Insurance with Long-Term Care (LTC)

Coverage built for a lifetime. Help protect your family’s quality of life – after you’re gone or while you’re still living.


One policy with two benefits

Universal Life Insurance will provide protection to your beneficiaries if something happens to you. Long-Term Care will pay for services and accommodations if you need assistance with your activities of daily living. Together, they provide protection and security through all stages of life.


Plan features
  • Our partner – Transamerica
  • Team member coverage amounts (must elect prior to age 80)
      • $50,000
      • $100,000
      • $200,000
      • $250,000 – offered only to physicians, residents, and fellows

  • Spouse coverage amount (must elect prior to age 65)

      • $30,000

      • Must also elect team member coverage amount in order to elect this benefit for eligible spouse

  • Child term rider
      • $20,000

      • Child term rider goes through age 26

      • Must also elect team member coverage amount in order to elect this benefit for eligible dependents
  • Rates – are based on issue age
      • Based on age as of the effective date of the election new/change
      • Renewable up to age limits
      • No re-calculation unless changing coverage. If changing coverage, age is calculated as of the effective date of the change.


Important Note: This benefit is not intended to replace your existing life insurance coverage. You can be enrolled in both plans. This plan helps protect you with a long-term care event.