Worksite LifeTime Benefit Term

The permanent LifeTime Benefit Term product is a solid alternative to universal life or whole life coverage. Our favorable rates allow us to provide death benefit amounts that are 10% to 30% higher than most cash value products.

LifeTime Benefit Term can last a lifetime because it provides coverage through age 120. Affordable premiums begin for as little as $3 per week and are guaranteed not to change. Coverage is available for an employee, spouse and children (children covered by a term rider). LifeTime Benefit Term is a group policy form with certificates issued to participating employees. However, the certificates are fully portable (whether the group master policy remains in force or not) with the same benefits and costs when the employee terminates employment. LifeTime Benefit Term is simple to get and utilizes conditional guaranteed and simplified issue underwriting.

Maximum coverage amounts for an employee (based on case underwriting guidelines) are as much as $250,000. A spouse is eligible for up to 50% of what an employee is eligible to purchase. Employees do not have to participate in order for a spouse to apply.

Issue ages are from 16-70. Employees may customize coverage through the following available riders: Accidental Death Benefit, Dependent Child Benefit, Waiver of Premium and Accelerated Death Benefit for Long Term Care. An Accelerated Death Benefit for Terminal Illness is a no cost rider available on all plans where allowed by state law. (Not all riders are available in all states.)

Not all products available in all states. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York. Our NAIC number is 63290.

Not all products available in all states. Fidelity Life Association is licensed in all states and the District of Columbia, except for Wyoming and New York. Our NAIC number is 63290.