Protection your family can count on
The Family Protection Plan coverage offers financial protection with level death benefit and level premium to age 121, so your benefit amount will not decrease and premium payment will not change.
You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children, too.
Are you prepared for the unexpected?
The journey of life can be unpredictable causing families to reassess the need for additional financial protection to keep their future secure.
With several options to choose from, select the coverage that best meets the needs of your family.
Ease of payment
Convenient payments through your employer using payroll deduction.
Keep the coverage
Coverage continues with no loss of benefits or increase in cost if you terminate employment after the first premium is paid. We bill you directly.
Acceleration of benefits
Pays 30% (25% in CT and MI) of the coverage amount in a lump sum upon the occurrence of a terminal condition that will result in a limited life.*
You can get coverage for your spouse even if you don’t elect coverage on yourself. And you can cover your financially dependent children.**
Emergency death benefit
Within one business day of notification, payment of 50% of coverage or $10,000 whichever is less is mailed to the beneficiary.***
Quality of Life rider
Optional benefit payable directly to you on a tax favored basis for the following:
- Permanent inability to perform at least two of the six Activities of Daily Living (ADLs) without substantial assistance; or
- Permanent severe cognitive impairment, such as dementia, Alzheimer’s disease and other forms of senility, requiring substantial supervision.
We're here to help
Visit the Support Center to file a claim, make a payment or change to your account, answer questions about your coverage, and more.
*Span of less than 12 months (24 months in IL), **Children (14 days to 19 years old, 26 if full-time student) under your coverage or your spouse’s, ***Unless the death is within the two-year contestability period and/or under investigation.
Product underwritten by 5Star Life Insurance Company (a Lincoln, Nebraska company). Product not available in all states. Policy #: CC18-GFPPPOL, ICC19-FPPi