A flexible group whole life policy is available for members and spouses up to age 70, offering a guaranteed lifetime rate, cash value accumulation, and the option to borrow against the policy. Additional coverage can be extended to children, and the death benefit passes to beneficiaries free of state or federal estate taxes. Coverage is fully portable, allowing it to continue through job changes or into retirement, and the policy includes Accelerated Death Benefit riders that provide long-term care funds in the event the insured becomes chronically ill.

A term life policy with an Accelerated Death Benefit for long-term care rider provides financial protection to help members and their families cover qualified long-term care expenses, offering affordable coverage with level premiums that can remain in place up to age 100. Benefits are paid monthly to help offset care costs, and the death benefit passes to beneficiaries free of state or federal estate taxes. Coverage is also portable, allowing members to keep their policy through job changes or into retirement.