Family Connection®
Your family shouldn't need to worry about where they will live or how they will pay their living expenses if you are no longer there to provide for them. With Family Connection®, you can stay connected to your family by providing an important period of financial security. Your loved ones will receive benefits for five years while they get back on their feet.
Family Connection® is available in amounts from 5 Units to 15 Units. Each Unit provides a $1,000 initial benefit and $100 each month for the next 59 months. Additionally, the policy's 'Inflation Guard' feature increases the monthly benefit by 3% each year to help keep up with cost of living increases.
| Initial Payment | $10,000 | for funeral, medical, or other final expenses |
| Months 2 - 12 | $1,000 | each month for living expenses |
| Second Year | $1,030 | each month for living expenses |
| Third Year | $1,060 | each month for living expenses |
| Fourth Year | $1,090 | each month for living expenses |
| Fifth Year | $1,120 | each month for living expenses |
If your family needs the money immediately to cover unexpected final expenses, they may opt for a lump sum benefit instead of the monthly payments. In the example above, the total benefit paid over the five-year period is $72,600. If the family chooses to receive the lump sum benefit instead, the amount payable will be $63,395.30.
Family Connection® is 10-year level term insurance with simplified issue underwriting. If you are 55 or younger at the time of issue, the policy is renewable for another 10 years regardless of your health.*
The following riders are also available:
- The Accidental Death Benefit Rider doubles the initial and monthly benefits for accidental death occurring while the rider is in effect.
- The Children's Insurance Rider provides level term insurance for all eligible children to each child's age 25 or to the policy's termination or expiration, whichever occurs first.
- The Waiver of Premium Rider waives premium payments after six months of total and continuous disability occurring while the rider is in effect.
*Policy not renewable in AR, CA, FL, IL or NY.
Interested in learning more? Contact us!
This describes Policy/Rider Form Nos. 1F571, 1F571-CL, 1H840, 1H840-CL, 1H841, 1H841-CL, 1H842, 1H842-CL or state variation. Policy/Rider specifications and availability may vary by state.
TermLine
TermLine is term insurance available with 10, 15 or 20 year initial term periods. Premiums are guaranteed for 10 years. For plans with an initial term period longer than 10 years, premiums are expected to remain level for the remainder of the initial term, but could be more or less than the current premiums.
After the initial term period, you have the option of continuing coverage at the attained age premiums or re-entering with a new policy for another 10, 15 or 20 year period of level premiums.
- TermLine with the 10 or 15 year premium option is available in face amounts from $100,000 to $10,000,000
- TermLine with the 20 year premium option is available in face amounts from $25,000 to $10,000,000
The following riders are available:
- The Accidental Death Benefit Rider pays an additional benefit for accidental death occurring while the rider is in effect. The maximum accidental death benefit available is $250,000 for all companies combined.
- The Children's Insurance Rider provides level term insurance for all eligible children to each child's age 25.
- The Waiver of Premium Rider waives premium payments after six months of total and continuous disability occurring while the rider is in effect.
Interested in learning more? Contact us!
This describes Policy/Rider Form Nos. 1F555, 1F555-CL, 1HA01, 1HA01-CL, 1HC09, 1HC09-CL, 1H812 and 1H812-CL or state variation. Policy/Rider specifications and availability may vary by state.