Supreme Package - Open Window - Family Rates
PLAN DETAILS FOR THE SUPREME PACKAGE
When You Can Apply
- Complete / Complete Plus
Available only during a 60-day open enrollment window
- Essential / Essential Plus
Available any time
Optimum Coverage (Enhanced Option)
Looking for a higher level of coverage? The Optimum plan offers enhanced protection at the same cost as Complete, with a few additional steps:
- Requires a Statement of Health (Form 2)
- Approval is based on medical history
- In some cases, coverage may include exclusions related to pre-existing conditions
- You’ll be enrolled in a guaranteed plan of your choice while your application is reviewed
- Rates will be adjusted if applicable at the time of approval
- If Optimum isn’t approved, your guaranteed coverage remains unchanged
Guaranteed Core Coverage
- Life Insurance: $10,000
- Long-Term Disability: $1,000 per month
- Accidental Death, Disease, and Dismemberment: $25,000
- Guaranteed during an open window. Applications outside the open window require a health questionnaire and are subject to medical underwriting.
Optional Increases
You may increase Life Insurance and Long-Term Disability or add coverage for a spouse and/or children. Forms 3, 4, 5, and 6 are required. Optional increases are subject to medical underwriting.
For full details on coverage options and required forms, click “Additional Plan Details” above.
