Our Coverage

Explore our products.

Life insurance and supplemental health benefits designed for families, union members, and veteran service organizations. Explore your options below, then get a free personalized quote.

Coverage Options

Protection for every stage of life

Permanent, portable benefits that stay with you — whether you change jobs, retire, or get laid off. Your coverage never expires.

Core Life Insurance Plans

Permanent and term options for lifelong or defined-period protection.

Whole Life Insurance

Permanent life insurance designed to provide lifelong protection, subject to the policy terms. It can help provide your loved ones with financial support for final expenses and other financial responsibilities.

Four-Year Renewable and Convertible Term Life Insurance

Term life insurance designed to provide temporary protection with renewal and conversion features, subject to the policy provisions. It can help protect your family, income, and financial obligations while giving you potential options for future coverage.

Senior Whole Life Insurance

Permanent life insurance designed for eligible older adults. It can help provide financial support for final expenses and other costs your loved ones may face in the future.

Senior Ten-Year Renewable Term Life Insurance

Term life insurance designed to provide protection for a ten-year period, with renewal options according to the policy provisions. It can help provide financial protection for loved ones during a defined period.

Whole Life Insurance Paid Up at Age 65

Whole life insurance designed around a premium-paying period that ends at age 65, subject to the policy provisions. It can provide permanent protection while helping you plan your insurance expenses over your working years.

Term Life Insurance Options

Defined-period coverage options for major financial responsibilities.

Ten-Year Renewable and Convertible Level Term Life Insurance

Provides level life insurance protection for ten years, with renewal and conversion features according to the policy provisions. It can help protect your income, family, mortgage, and other financial responsibilities.

Twenty-Year Level Term Life Insurance

Provides level life insurance protection for twenty years. It can help protect your family during major financial years, including the years when you may have a mortgage, children, or significant income responsibilities.

Fifteen-Year Annually Decreasing Term Life Insurance

Provides term life insurance coverage that decreases annually according to the policy schedule. It may be useful when the financial obligation you're protecting is expected to decrease over time.

Thirty-Year Annually Decreasing Term Life Insurance

Provides term life insurance coverage that decreases annually over a thirty-year period according to the policy schedule. It can provide long-term protection while the amount of coverage gradually decreases.

Level Term Life Insurance to Age 65

Provides level term life insurance protection through age 65, subject to the policy provisions. It can help protect your income and family during your primary working years.

Term Life Insurance to Age 100

Life insurance designed to provide long-term term protection through age 100, subject to the policy provisions. It can help protect your family's financial future and provide coverage for important financial obligations.

Family Protection

Extend coverage to the people who depend on you.

Children's Term Life Insurance Rider

Provides term life insurance protection for eligible children according to the rider's provisions. It can give parents an additional way to include their children in their family's overall protection plan.

Spouse's Term Life Insurance Rider

Provides term life insurance protection for an eligible spouse according to the rider's provisions. It can help protect the household financially if something happens to your spouse.

Accident Protection

Additional financial support when the unexpected happens.

Accidental Death Benefit

Provides an additional benefit when death occurs as the result of a qualifying covered accident. It can provide additional financial support to your beneficiaries during an unexpected loss.

Special Accidental Death Benefit

Provides additional financial protection for qualifying accidental death according to the policy provisions. It can supplement your existing life insurance protection.

Accident Insurance

Provides benefits for certain covered accidental injuries or events according to the policy provisions. It can provide additional financial support when an unexpected accident occurs.

Accident Insurance with Enhanced Benefits

Provides benefits for covered accidental events according to the policy provisions. It can add another layer of financial protection for you and your family when an unexpected accident occurs.

Health & Supplemental Protection

Cash benefits to help cover costs during treatment and recovery.

Cancer Indemnity Insurance

Provides supplemental benefits for qualifying covered cancer-related events. It can help provide additional financial support during treatment and recovery.

Cancer Detection Benefit

Provides benefits for qualifying covered cancer detection events according to the policy provisions. Benefits may be provided in units, with one unit representing $5,000 unless otherwise specified by the applicable policy.

Hospital Indemnity Insurance

Provides supplemental benefits for certain covered hospital stays and events. It can help provide additional financial support during a hospitalization and help with expenses that may arise while you're recovering.

Income Protection

Help replacing lost income during a qualifying disability.

Disability Income Insurance

Designed to provide income benefits when a qualifying disability prevents you from working, according to the policy's definition of disability. It can help replace a portion of lost income and help you continue meeting your financial responsibilities while recovering.

Disability Income Insurance with Enhanced Benefits

Provides disability income protection with benefits determined by the applicable policy provisions. It can help provide financial support when a qualifying disability affects your ability to work.

Additional Protection

Riders that help your coverage adapt as life changes.

Guaranteed Insurability Option

May allow you to purchase additional life insurance at specified times without providing additional evidence of insurability, subject to the rider's terms and conditions.

This can be valuable as your financial responsibilities change. Getting married, having children, purchasing a home, increasing your income, or starting a business can all create a need for additional protection.

Waiver of Premium Benefit

May waive eligible insurance premiums when the insured meets the policy's qualifying disability requirements.

This can help you maintain eligible insurance protection during a qualifying disability without having to continue paying certain premiums, subject to the policy provisions.

Recuperation Benefit Rider

Provides supplemental benefits when the rider's qualifying conditions are met. It can provide additional financial support during a covered recovery period.