Whole Life Insurance provides a fixed coverage amount with premiums and benefits that won’t change as you grow older. The policy can build cash value over time —which you can apply toward a paid-in-full life policy or even borrow against later. Other benefits include guaranteed coverage, family options, additional payments forcovered accident-related claims and early payouts for terminal illness.
Coverage for you
You can purchase coverage for as little as $3 weekly as long as the minimum benefit is $2,000. The benefit amount is based on the premium amount you select, your age when coverage begins and whether you use tobacco.
Coverage for your spouse
Available for your spouse up to age 80, even if you don’t purchase coverage for yourself. If you leave RP you can continue this coverage.
Coverage for your child(ren)
Your children and grandchildren can have individual coverage, even if you don’t purchase coverage for yourself.
Whole Life Insurance earns interest, or “cash value” at a guaranteed rate of 4.5%.You can borrow from that cash value or you can buy a smaller, paid-up policy—with no more premiums due. You can also add an Accidental Death Benefit that can increase the payment your family would receive if you die from a covered illness before age 70.
You can purchase Long-Term Care (LTC) coverage for yourself and your family members. LTC insurance pays benefits when a physician certifies that you are unable to perform (without substantial assistance), two of six activities of daily living for at least 90 days, or that you require substantial supervision to protect yourself and others from threats to health or safety due to severe cognitive impairment. Coverage is provided by UNUM.
Physician and Executive teammates can learn more and enroll here.
All other eligible teammates can learn more and enroll here.
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