Life and AD&D Insurance
Why buy specialty life and AD&D insurance?
You should purchase life and AD&D insurance to protect your loved ones from income loss and financial catastrophe. At benefit crossroads we provide you with options so you can buy the life and AD&D insurance that's ideal for you and your family's specific needs.
Individual Life Insurance Plans:
benefit crossroads offers individual life insurance plans from HumanaOne.
First, HumanaOne’s Junior Estate Builder product is a term life insurance policy that offers protection until age 25, and then converts to a whole life insurance policy for lifetime coverage. If your needs require a whole life insurance plan, ask us about
HumanaOne's Memorial Fund, which pays cash to your designee to take care of your final expenses and more.
Group Life Insurance Plans
- Group term life insurance coverage
- Group supplemental life insurance coverage
- Group supplemental AD&D insurance
Benefits – Life and AD&D Insurance:
- Benefits up to $200,000 or 5x annual salary for groups 2-9; up to $500,000 or 5x annual salary for groups 10-499
- Guarantee issue provisions
- Accelerated death benefit for terminal illness
- Conversion privileges
- Spouse, domestic partner and child coverage
- Up to $300,000 supplemental coverage; up to $100,000 supplemental AD&D insurance
| Supplemental Insurance
| Long Term Care