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1 State Employees and Teachers Supplemental Life Insurance Program Offered by F Not Affiliated with the Government
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3 Needs Analysis Survivor s Income Life Insurance How well will you live when you reach age 65? Will you be: Living well because you ve planned for it? Forced to continue working? Barely making it? Flat broke? Without Life Insurance? Uninsurable? Start your Globe Life Supplemental Insurance Program now. Most people don t plan to fail... They fail to plan. 1
4 Personal Affairs Inventory Personal Data Employee Name: Social Security Number: Birthdate: Address: City: ZIP: State: Spouse: Birthdate: Children: Birthdate: Birthdate: Birthdate: Birthdate: Valuable Documents Section A: Do You Have a Will: Yes No Location of Will: Executor Name: Executor Address: Date Executed: By: Section B: Life Insurance Policies Policy Number Face Amount Location of Policy Type of Policy How Premium is Paid Section C: Other Insurance (Accident, Health) Policy Number Type of Benefits Company Name Policy Location Section D: Stocks, Bonds and Other Securities (name of company) Number of Shares Certificate Number (if known) Name of Financial Advisor Location of Papers 2
5 Property Owned Section A: Real Estate (type) Location of Property Location of Deed, Mtg, etc. Insured with: Policy No. Section B: Automobile (make, model, year, serial) Lien Holder Title No. Date Location Joint Owner Insured with: Policy No. Section C: Other Property such as Boat, Machinery, etc. Location of Property Location of Title Insured with: Policy No. Bank Accounts Name and Address of Bank Type of Account Account Number Location of Bank Book Location of Safety Deposit Box Box Number Location of Key Name of Joint Owner 3
6 By Applying NOW You will make a decision that you can afford. Guaranteed issue* Regardless of past, present or future health No medical exam required to qualify just answer a few Yes/No health questions Payroll deduction by allotment No money now By beginning now you guarantee increases of life insurance in the future* Fully portable (stays with you even when you leave employment or retire.) 4
7 Permanent Life Insurance Group Term Life and Ordinary Life (Group/Individual) Group Term Life and Ordinary Life (Group/Individual) Paid for Life Paid-Up at Age 65 Select the level of supplemental Life coverage needed, as well as any additional riders desired. Policy Benefits Face Amount* Employee:** Issue Age 18-55: up to $150,000 Spouse: Issue Age 18-55: up to $30,000 Children: Issue Age 30 days - 23: up to $10,000 Premium Rate Premiums remain level, then stop at Age 65 Settlement Options Available at claim time. Issue Age 54-71: up to $50,000 Issue Age 54-71: up to $10,000 Premiums remain level for Life Death benefit paid in full to the beneficiary; Annuitize the death benefit; Or a combination of both. Available Riders Terminal Illness Accelerated Benefit Rider: Upon proof of terminal illness, insured will receive 50% of the current benefit available prior to death, subject to provisions of the rider. No additional charge for this rider No additional charge for this rider Waiver of Premium Disability Rider: Upon proof of the insured s total disability as defined by this rider, the company will waive any premiums due (on standard policy only). Issue Age 15-55: No additional charge for this rider Accidental Death Benefit Rider: This rider pays up to $32,000 for an Accidental Death, subject to policy provisions. This benefit pays in addition to other sums collected under the policy (on standard policy only). Employee and Spouse Issue Age 18-55: $16,000 Face Amount for $0.50 per week; $32,000 Face Amount for $1.00 per week Children s Term to 25 Rider: Upon proof of the insured child s death, policy will pay beneficiary up to $10,000, subject to policy provisions. Only available on policies paid up at age 65. Issue Age 30 days - 23: $10,000 Face Amount for $2.00 per week * Plans and Benefits may vary by state. Graded Benefit: initial policy benefit is 25%; second year 50%; third year 75%; fourth year and thereafter 100% ** For those still actively employed subject to certain limitations. Not available to individuals who are HIV positive or terminally ill. If applicant has certain preexisting medical conditions, policy will be issued with graded benefits. Excess amounts over the Guaranteed Face Amount subject to regular underwriting. 5
8 Cash Benefit Cancer Plan Issue ages 0-69 Designed for individual, single parent or family coverage Pays full benefit amount selected by you from $10,000 up to $50,000 upon first diagnosis of internal cancer or malignant melanoma One-time full payment to you upon written satisfactory proof of pathological diagnosis You receive the benefit amount you selected whether or not you are hospitalized or receive treatment You know exactly how much money you can count on getting to help with all the costs no surprises or reduction You decide what to do with the money, for any purpose you want: - experimental procedures - cosmetic reconstructive surgery - non-medical costs - transportation and lodging for relatives - home care - paid-up mortgage - income while you are not working - deductibles/coinsurance for other health insurance No reduction in benefits at age 65 Policy pays in addition to any other existing coverage including other cancer plans Guaranteed renewable coverage until person s one-time cash benefit is received BENEFIT SCHEDULE OF SELECTED AMOUNT Individual Plan 100% Single Parent Plan Primary Insured 100% Child(ren) 100% Family Plan Primary Insured 100% Spouse 100% Child(ren) 100% 0-64 in California One-time maximum benefit amount to any one person as listed in the policy schedule. 6
9 WEEKLY AGE NAME GLOBE LIFE COVERAGE CASH VALUE AT 65 PAID-UP INS. AT 65 RIDERS Waiver of Premium Yes No Terminal Illness Yes No per week or per pay period Globe Life And Accident Insurance Company Children s Rider Yes No Accidental Death Yes No 7
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12 2014 Employee Services Division of Globe Life And Accident Insurance Company. All rights reserved. ESD0807
Supplemental Life Insurance Benefit Program
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