Life Insurance

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Providing financial security for your family. We have multiple plans to fit your needs.

You work hard to provide a good life for your family. However, what if something happened
to you? Would your family be able to continue covering expenses you may have today like
mortgage payments, childcare, credit card payments, college tuition and other household
expenses? What about burial expenses or expenses for long term care like nursing home or assisted living care?

Many families would struggle, especially if the primary wage earner died. And few families
are able to afford nursing home care without some type of financial assistance.

LifeTime Benefit Term can help.

    Grandparents, parents, and children holding hands walking thru tall grass
    A small model of a house with stacks of coins in front and a mans cupped hands protecting them

    LifeTime Benefit Term Provides You with the Protection Your Family Needs

    LifeTime Benefit Term helps protect you and your family if you were no longer able to provide for them. Your family can receive cash benefits paid directly to them upon your death that they can use to help cover expenses like mortgage payments, credit card debt, childcare, college tuition and other household expenses. Cash benefits can also be paid directly to you while you are living for long term care expenses.

    You Decide How You Want to Use LifeTime Benefit Term Benefits

    When you make the promise to protect your family with LifeTime Benefit Term, there are several ways it can work.

    As Life Insurance
    LifeTime Benefit Term protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses.

    For Long Term Care* (LTC)
    If you need LTC, you can access your death benefit while you are living for facility care, home care, or community-based services. You get the greater of 4% of your death benefit per month or $50 per day while you are living for up to 25 months to help pay for LTC. Insurance premiums are waived while this benefit is being paid. Your death benefit will reduce proportionately each month as you receive benefit payments for Long Term Care. After 25 months of receiving Long Term Care Benefits, your death benefit will reduce to zero.

      This is only a brief overview. Please refer to one of our brochures or our website for full information about policy plan design, limitations, exclusion, state approvals and other information.

      Health benefit plans are available only to AFE members. If you're already a member, please contact us to request more information.

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