Benefits of life insurance

Life,Accident Insurance

Life/Accident Insurance Michigan State University understands the importance of being prepared, even for the unexpected. That's why we offer you several different types of life insurance to help you through all of life's stages. Basic Employer-Paid Life Insurance The Basic Employer-Paid Life Insurance program provides coverage equal to one year's base annual earnings up to a maximum of $50,000. Beneficiaries are those designated by the employee and may be changed at any time. Optional Employee-Paid Life Insurance This program provides multiple options of term life insurance. Coverage may also be selected for spouse or OEI, and eligible dependents or OEI's dependents. Benefits are payable...

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The Benefits of Life Insurance for All Ages - Byrnes Agency Insurance

Many people wonder what the best age to get life insurance is, and often put off getting life insurance because it’s not the “right time” to do it. Well, the good news is that life insurance is beneficial at any age. Whether you have dependents, debt, car payments, student loans or a mortgage, it will benefit you in some way. If you have yet to purchase life insurance, we recommend doing so as soon as possible, regardless of your age. To help you with your decision, here are the benefits that life insurance can offer you at every age. Many people wrongly assume that they only need life insurance if they are likely to die in the near future. This is incorrect, and your...

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Term Life, MTA Benefits

You are here Protection for a specified period of time Term Life insurance provides coverage for a specific period of time. The MTA Benefits Term Life insurance program allows you to select from 10-, 15-, 20- or 30-year term insurance, offering the flexibility to choose a program that fits your family’s specific needs both now and in the future. It will assure you of funds to pay your mortgage, college funding, education loans or others debts and will give you peace of mind knowing that your family is taken care of if you’re not there to do it. Rates for term insurance have never been lower. Through MTA Benefits’ partnership with Vista Financial, members have access to the most competitive...

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Life Insurance Death Benefit It is More Nuanced than You Think - Life Insurance Strategies ∞ Whole Life, Indexed Universal Life, Annuities, Long Term Care Insurance

Perhaps the most well known of the many benefit of life insurance is the death benefit. But most people, including your run of the mill life insurance agent, have no idea the subtle nuances of the death benefit. One example is that, depending on your policy design, the death benefit for life insurance may continue to grow as you age. That means, the older you get, and the closer you are to that inevitable day when you will die, your death benefit is increasing. So, in the end, your death benefit will be at its largest when you pass on your wealth to your heirs. What is a Death Benefit? The definition of life insurance death benefit is the amount of money payable to the beneficiary or...

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Optional Life Insurance, Human Resources University of Michigan

Optional Life Insurance If you are enrolled in the University Plan and want additional life insurance coverage, you can enroll in the Optional Plan. The Optional Plan gives you the flexibility of setting your own level of coverage. The Optional Plan covers you only. Please note: If you choose a level of Life Insurance coverage that requires completion of a Statement of Health, you will receive an email from MetLife. It is important to respond to this email because your chosen level of coverage is subject to approval by MetLife. Optional Plan Coverage Options You may elect coverage through the Optional Plan at the following levels, to a maximum of $1.5 million: $5,000 (minimum) flat...

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Life Insurance, University of Cincinnati

Life Insurance Eligible employees are automatically enrolled in Group Term Life Insurance in the amount of one times annual base pay. UC pays the full cost of this benefit up to $50,000. Several other Employee Life Insurance options are available: Employee may elect between two (2) to six (6) times annual base pay* Employee may elect $50,000 or Employees cannot waive Life Insurance coverage. A minimum of $5,000 coverage is required. This coverage is provided at no cost to the employee. Increasing coverage: Once you are enrolled in the Employee Life Insurance Plan, you can increase your coverage by one level at each future Annual Enrollment or if you have a qualifying family status change....

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Life and Dependent Life Insurance Faculty and Staff

Life and Dependent Life Insurance – Faculty and Staff Group Term Life insurance can protect your family's financial future from the unexpected loss of your life and income during your working years. Life insurance proceeds can be an important tool in helping your family afford final expenses, such as funeral and medical bills, as well as day-to-day financial obligations. If you are a full-time benefits-eligible member of our faculty or staff, $10,000 of basic life insurance is provided to you at no cost. You may purchase additional coverage–up to eight times your annual base salary–to a maximum benefit of $3,000,000 (basic and supplemental coverage combined). If you are a...

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Life Insurance, PSU Human Resources

Life Insurance University-Paid Basic Term Life Insurance - Faculty & Staff Regular full-time faculty and staff are covered by a University-paid group-term life insurance policy in the amount of $50,000. Coverage is effective on the date of appointment. Coverage is issued by the Unum. The group policy number is 605923 002. If you retire from Penn State by 12/31/2020, you will continue to carry a $5,000 Term Life Insurance benefit policy into retirement at no cost to you. If you retire after 12/31/2020, you will not be able to carry this coverage into retirement. University-Paid Basic Term Life Insurance - Technical Service Members Technical Service Union members are covered by a...

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Living Benefits Rider offers peace of mind.

Helps to ease the financial stress of a critical illness. The obvious value of life insurance is the death benefit protection it provides, as well as the cash value accumulation potential offered by products such as whole life insurance. But these features are often just the tip of the iceberg. Since everyone has unique needs and goals, consumers no longer have to settle for one-size-fits-all insurance. Today, many life insurance plans are customizable through the policy “riders.” A rider is an option that can be added onto a life insurance policy to provide additional protection and/or benefits. Of course, you should have a need for insurance that you'’ve already identified before...

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THE BENEFITS OF LIFE INSURANCE USUALLY OUTWEIGH THE COSTS, Thomas Fenner Woods Agency, Inc

Many people, when thinking of Life insurance, imagine that it is something for the young only. They believe that Life insurance is a tool best used by newlyweds with mortgages, parents of young children, and spouses who are both employed. What does that mean for seniors? Does that mean there is no need for Life insurance in those who are retired? The answer to that question depends on your family’s needs as well as your financial picture upon retirement. One of the biggest concerns among retired individuals is whether or not they have enough money set aside to last their entire lives. Since life expectancies are predictable, but an actual lifespan is not, retirees are left with an...

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