Your benefit details
Universal LifeEvents Insurance with Long-Term Care provides full-time associates a higher death benefit during your working years and long-term care services at any age. Your benefits stay the same throughout your life — the full amount is available when you need it. You can only enroll during the Frontdoor annual benefits Open Enrollment period.
- Once you have a policy, your rate is locked in and won’t increase as you age.
- No medical exam is required. You’ll complete a short health questionnaire when you apply.
- Your coverage can continue even if you leave Frontdoor, as long as you continue paying the premiums with Trustmark.
How your coverage protects you
Protect your family with a death benefit
Your policy provides a death benefit to your beneficiaries if you die while covered. The benefit is higher during your working years and reduces later in life.
If you’re diagnosed with a terminal illness and a doctor determines you have 24 month or less to live, you can access up to 75% of your death benefit to help with expenses.
Get help paying for long-term care
- If you need qualifying long-term care services, your policy can provide a monthly benefit to help with the cost of care.
- Receive up to 4% of your death benefit monthly for up to 25 months.
- Benefits begin after you’ve received qualifying long-term care services for 90 days.
- Your full death benefit remains available to your beneficiaries even if you use your long-term care benefit.
- Using your long-term care benefit doesn’t reduce your full death benefit.
Understand what happens as you get older
Your death benefit reduces to one-third at age 70 or after your 15th policy anniversary, whichever is later. The long-term care (LTC) benefit does not change, no matter your age.
| Before age 70 | |
|---|---|
| Death benefit | $25,000 |
| LTC benefits | $25,000 |
| After age 70 | |
| Death benefit | $8,333 |
| LTC benefits | $25,000 |
* Benefit amounts shown are for sample plans and are not a guarantee.
