The perfect complement to Group Term and Voluntary Term. In your working years you want max protection (Term and Permanent Life). House payment, car payments, kids, college, that is a lot of responsibility. When you retire your exposure to risk can be greatly diminished.

• Permanent Life Insurance coverage to age 121 with no reduction of benefit.
• Available for the whole family; employee, spouse, children and grandchildren.
• Portable, TrueFlex simply changing from payroll deduction to a bank draft when you retire or change jobs.
• Guaranteed premium rate for significant number of years (average of 30 years across all ages).
• Guaranteed issue for employees, express issue for Spouse and Children and Grandchildren.
• Individual issue policies allows the employee to purchase a policy on family members even if the employee does not participate in the life insurance program.
• Every TrueFlex policy includes LIVING BENEFITS.