Plan Details FAQs Exclusions

Whether it’s an accident or a sudden illness, the unexpected can always happen. And experience tells us, it often does. That’s why life insurance is important protection for your family’s financial future. And it’s also why many employers sponsor a basic plan for their employees.

But many employer-sponsored plans provide only a minimal amount of coverage - not enough to cover all the bills and other day-to-day costs your family faces when you’re gone.

You’ve worked hard to keep your family secure, now’s your opportunity to help protect that security without breaking the bank.

It’s maximum protection when your family needs it the most. Give your family up to $200,000 of benefits for a low, monthly premium.

• Choose your level of protection – from $25,000 to $200,000 – you select the amount of protection you want to purchase.
• Premium and benefits are locked-in for 10 years – there’s no increase to your premium or reduction in benefits due to age. Coverage cannot be cancelled or changed by the company.
• Pays in addition to any other benefits you may have – because employer-sponsored plans rarely provide the full protection you need.
• No medical exam required for coverage up to and including $100,000. Acceptance is usually based on your answers to a few health questions. If needed, a brief medical exam can be completed at your home or office. This exam is performed by a paramedic who reviews your medical history, checks height/weight, blood pressure and collects blood and urine samples. Acceptance into this plan is subject to medical insurability as determined by The Hartford¹.
• Spouse or domestic partner are also eligible to apply.
• Premiums are waived if your union goes on strike – payment of your premium is waived for up to three months if you are involved in a union-sanctioned strike, lock-out or involuntary layoff lasting 30 days or more.  Not available for all unions or in all states.
• Pays full benefits for both death by accident or illness anywhere in the world – while at work or away from work. And benefits do not reduce with age.
• Accidental Death Benefit – Should death be the result of a covered accident any place in the world, including your workplace, your family would receive an additional $15,000. This benefit covers you 24 hours a day, 7 days a week.*

Learn More

Choose 1 of 3 options for applying:

• Complete a secure online application. It's easy, safe and fast!
• Click here to download an application form.
  Print it, fill it out and mail it in!
  (It’s an AdobeAcrobat file, get a free reader by clicking here).
  
  
• Request an application via mail:
• By calling 1-800-393-0864
• By completing an online request form

Questions? Call1-800-393-0864. Wondering what is not covered by this insurance program? Read exclusions here.  

*The Accidental Death benefit is subject to additional exclusions outlined in your Certificate of Insurance that you will receive.