Key Information
For residents of:
Illinois, Indiana, Iowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Nebraska, North Dakota, Ohio, Pennsylvania, South Dakota, and West Virginia.
Benefits-at-a-Glance
Voluntary Group Term Life
(not available in Nebraska)
We realize the needs of your employees differ greatly from person to person. That's why we designed our Voluntary Life product to be flexible. Each employee can select his/her own coverage amount - one employee doesn't have to have the same amount of coverage as the next. Have your employees try our Life Needs Analysis Calculator.
And, even more important, you'll find our Voluntary Life Insurance contains the same quality and solid benefits as our other products - the standards our customers have come to know and expect from EPIC. Features include:
- Living Benefit, which allows terminally-ill insureds (defined as having a medically-certified life expectancy of less than 12 months) to receive up to 50% of their term life coverage up to $50,000.
- Waiver of Premium, in which we'll waive an employee's life premium if he or she becomes totally disabled before age 60, for as long as he or she is totally disabled or until he or she reaches age 70.
- Conversion Privileges, meaning that upon termination, employees and dependents can choose to convert to an EPIC individual term life policy without having to meet our health underwriting requirements. If an employee or dependent dies within 31 days of the date his or her term life insurance ends, we'll assume he or she wanted conversion, and pay any life benefits the employee or dependent would have been entitled to under the conversion plan.
All of the above features are automatically included in the plan - your employees don't pay extra premium to receive them.
| Group Size Requirement for EPIC Voluntary Life |
| Minimum ten lives |
Voluntary Group Accidental Death and Dismemberment (AD&D)
Our affordable AD&D benefits provide a lump sum payment in the event of specific, catastrophic injuries or accidental death. AD&D coverage is an important part of any supplemental insurance package.
Voluntary Dependent Group Term Life
Voluntary Dependent Life Insurance provides an easy and affordable avenue for your employees to extend coverage to their spouse and dependent children. You choose from the following benefit amounts.
| Spouse | Up to 50% of the employee's amount of life coverage, in $5,000 increments, to a combined maximum of $100,000. The guarantee issue amount is $25,000. |
| Each Child | $2,500 $5,000 $7,500 $10,000 |
