Universal Life

It’s common for employees to protect their families’ future with end-of-life benefits, but also common to have a need for long term care. Universal Life with LTC helps employees manage both by combining the benefits of life insurance with living benefits they can use for long term care, home healthcare, adult day care or assisted living.

What is Universal Life?

Helps provide permanent financial protection and is a financial tool that helps you manage life at every stage. Builds cash value over time so that you can prepare for life’s challenges and opportunities. Guaranteed Issue: $200,000 after answering two simple health questions

How Does it work?

With Universal Life, benefits can be paid as a Death Benefit, as Living Benefits or a combination of both.

EZ Value Option

Automatically increases coverage to keep pace with increasing needs- without additional underwriting. This is fully portable. May be cancelled at any time. It is automatically increased via payroll deductions. Inflation-fighting options for employees and spouses.

Rates will vary by age, smoking, benefits selected and current interest rate, please log into bswift to obtain pricing.

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The information contained on this website is intended for general purposes only. It is an abbreviated overview of the benefit plans. Please refer to the Certificate Booklet (the contract) available from the plan carriers for complete details. Your Certificate Booklet will provide detailed information regarding copayments, coinsurance, deductibles, exclusions and other benefits. The Certificate Booklet will govern should a conflict arise related to the information contained in this website. The information contained in this website does not establish eligibility to participate in or receive benefits from any benefit plan. Please note the links to any external websites are provided simply to assist our employees with convenient access. ShawHankins is not liable for the information provided on any of the external websites provided.