• You are able to keep your coverage if you change jobs or retire.

• You can purchase coverage for yourself, your spouse and your children.

• You may choose a benefit from $5,000 to $500,000 for yourself; from $5,000 to $50,000 for your spouse; either $25,000 in Universal Life Insurance or up to $10,000 in Term Life Insurance for your children.

• You may elect a benefit of up to $50,000 for yourself without answering any medical questions.

• You may elect $25,000 for your children and grandchildren without answering any medical questions.

• You can take a portion of your life insurance amount in cash if you are diagnosed with a terminal illness (12 months or less to live.)

• Your premium payments are waived if you are disabled and cannot work. If you become disabled your payments are waived after you have been disabled for 6 months.

• You can use a percentage of your life insurance amount, on a monthly basis, to help you pay for Long Term care, assisted living care, home health care or adult day care. Even if you deplete your life insurance policy by taking advantage of this option, these monthly payments can be extended if you still need such care.

• You and your spouse have the option to automatically add insurance coverage on each of your first five policy anniversary dates without answering any medical questions. Each annual death benefit increase is equal to the amount of insurance that you can purchase for $1 per week of additional premium at your then-attained age (when you're exercising the option) and your rate class.

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