Dockside Safety, Shore-Side Peace of Mind
Whole Life Insurance with Long-Term Care
- Group Whole Life Insurance with 2x Long-Term Care Benefits
- Guaranteed Issue Coverage
Coverage Details
Issue Ages
18–80
Member
Years
18–80
Spouse
Years
1 day–18
Children
Years
Guaranteed Issue Maximums
- Member (18-70)
- $150,000
- Spouse (Working)
- $75,000
- Spouse (Non-Working)
- $20,000
Simplified Issue Maximums
- Member (18-80)
- $250,000
- Spouse (Working)
- $150,000
- Spouse (Non-Working)
- $50,000
Plan Details
How the Plan Works
Whole Life Insurance has fixed premiums to age 95 and the death benefit is guaranteed to age 100.
The Long-Term Care policy pays 4% monthly for up to 50 months (4.2 years).
Example
A $100,000 policy pays $4,000/month up to 50 months.
Points to Ponder
Why Members Choose This Plan
- Guaranteed issue period with NO medical questions
- Price lock guarantee on premiums
- Permanent, portable coverage
- Long-term care funding availability
- Spouse and child coverage options
- Cash value growth for emergencies
Eligibility
Member Eligibility
- Fully guaranteed premiums payable to age 95
- Guaranteed Issue up to $150,000
- Up to $250,000 with medical questions
Spouse Eligibility
- Maximum Guaranteed Issue: $75,000
- Up to $150,000 with medical questions
- Ages 18-65, legally married, not disabled
Child Eligibility
- Term Rider of $20,000 per dependent child under 26
- Cost: $4.78 per month
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