Benefit Choices, Inc. Personal Insurance Plans

Guaranteed Life Insurance
(Click here for rates.)

Coverage	Guaranteed Issue Life Insurance
Eligible Participants	Member, Spouse Under age 60
Member Death Benefit Choose From	$20,000 or $40,000
Spouse Death Benefit Choose From:	Same choices as Member
Child(ren) Death Benefit	Not available
Medical Underwriting	None required
Coverage Reductions	Original amount is reduced 50% at age 60 Coverage ends at 80

First 2 Years of Coverage - Because of the Guaranteed issue feature of this plan, during the first two years after the insured’s effective date, no death claim will be paid for any reason except for an accident. Instead, any premium paid will be refunded with interest. After the insured’s coverage has been in effect for 2 years, the full death benefit will be paid for death from any cause.
Your Choice of Beneficiary - Choose anyone you wish to be your beneficiary. The Member is automatically the beneficiary for child(ren)’s coverage. You may change your beneficiary at any time by writing Benefit Choices who markets this plan. Claim payments are made promptly upon proof of death or loss. Your beneficiary may choose to receive the benefit at one time or in monthly installments.
Renewal and Conversion Rights - You can not be singled out for cancellation. You may continue your Guaranteed Issue coverage to age 80, assuming you pay your premiums and the Group Policy remains in force.

With Guaranteed Issue you may convert your term policy for the same amount of permanent life insurance other than term within 31 days after your coverage ends.

The purpose of this website is to provide a brief overview of the Guaranteed Issue Life Insurance, Supplemental Life Insurance and Accidental Death and Dismemberment Insurance available through the Benefit Program. This summary of benefits is subject to the terms, conditions and limitations of Group Policy numbers G172,848, G172,849 and G172,850. All coverage is underwritten by the United States Life Insurance Company. For a more complete description, please contact Benefit Choices at (410) 666-9500 or email us.