| Product | Eligible Age | Coverage Amount |
|---|---|---|
| Whole Life Insurance | Self, spouse, and children can each have their own policy. Enrollment available to qualified individuals up to age 80. | Flexible. Members choose a death benefit amount that fits their budget and needs. Builds cash value that can be borrowed against. |
| Term Life Insurance | Issue ages 18 to 65 for 15- and 20-year terms; 18 to 50 for 30-year terms. Self and spouse each on their own policy. | Up to $300,000 of rapid-decision coverage. Dependent children can be covered for up to $25,000 via rider, convertible to Whole Life. |
| Accident Plus & Platinum Insurance | Members and spouses age 18 to 70 (including domestic and civil union partners), and children ages 0 to 26. | Scheduled Benefits. Pays specific cash benefits per injury/treatment (e.g., up to 20,000–40,000 for loss of hands, feet, or sight, and 1,000–2,000 for hospital admission, Plus vs Platinum) |
| Critical Illness Insurance | Members and spouses age 18 to 65 (including domestic and civil union partners), and children ages 0 to 26. Dependent grandchildren may also be insured. | $10,000 to $100,000. Paid as a lump sum cash benefit upon the first diagnosis of a covered condition. |
| Disability Insurance | Issue ages 18 to 63; must work at least 30 hours a week. Self only, no spouse or child coverage. Renewable to age 72. | Up to 40% of monthly gross income (maximum $5,000 per month) for a 12- or 24-month benefit period. Includes a $1,000 accidental death benefit. |
| Hospital Sickness Insurance | Members and spouses age 18 to 70 (including domestic and civil union partners), and children ages 0 to 26. | Pays per day of hospital confinement due to illness: $250/day (Plus) or $500/day (Platinum), up to 365 days per calendar year. Additional daily benefits for rehab, observation, ambulance, and ER. |
