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|  | | | | Life Insurance | | | | How the Plan Works | | The plan provides coverage in units of $25,000 up to a maximum of $150,000. |
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| | | | Highlights of Coverage | How The Plan Works | - Choose from $25,000 to $150,000 in coverage
- Non-Tobacco User Discounts
- Easy Payroll Deduction Option
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 | | | | Most of us realize that ensuring an adequate level of life insurance is essential to providing financial security for our families. Without the right amount of life insurance, many families face the loss of their home, an essential second income, schooling opportunities, and other important basics. A guideline for determining the right amount of coverage would be 3 to 5 times your annual income - then include other fixed expenses, such as college tuition for your children and burial expenses for your funeral. In today’s competitive insurance market there are so many choices it can be difficult to know which company deserves your confidence. With most offers of term life insurance emphasizing the “lowest rate available,” it would seem that many companies have forgotten that value, service and security are just as important as a competitive rate. If you are insured through your affinity group plan, you can be sure that you are covered by a company who will be able to deliver on their insurance promises-and still have the advantage of a competitive rate through the strength of group participation. | | | | Top | | | | Plan Advantages | | | | Portable - unlike coverage through an employer, once you have been covered this plan will not terminate if you change jobs! | | | | Pure Insurance - this plan does not build cash values nor is it attached to a savings fund but rather it is pure insurance coverage. This is an affordable opportunity to reassess your situation if you’ve recently married, divorced, started a family, sent children to school or started paying on a mortgage or large loan. | | | | Automatic Payroll Deduction - your coverage will be automatically deducted from your paycheck on a monthly or tenthly basis. |
| | | | Top | | | | | | | | NON-TOBACCO USER DISCOUNT For those applicants who have not used tobacco products in the past 12 months there is a preferred “non-tobacco user” rate. See the rate chart for more details. | | | | |
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Allstate | | | | | | | | | | Top | | | |
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