The need for long-term care (LTC) services could be one of the greatest risks to your future financial well-being. It can be a challenge to find protection that can help with the rising costs of long-term care facilities or services in the event of an accident, illness, or aging. 

Universal Life Insurance with Long-Term Care, provided though Trustmark Universal LifeEvents, provides long-term care benefits funded by permanent life insurance. It pays cash benefits that can help you afford the comfort and quality of care that you desire. Plus, it doubles as life insurance, with a death benefit payable to your beneficiaries.

Why should you consider Universal Life with Long Term Care?

• Combined coverage: get both permanent life insurance (death benefit) and care benefits for one rate.
• Benefits can help with the cost of care when the time comes, so you can avoid depleting your retirement savings or overburdening family members.
• Care benefits can help pay for professional caregiving services including home health care, assisted living, adult day care and more.
• Coverage is available to you on a guaranteed issue basis when you enroll within 30 days from your date of hire - no medical questions asked, and you can't be turned down - up to benefit amount limits.¹
• Guaranteed to last a lifetime: once you have coverage, your rate doesn’t increase as you get older.²

Universal Life Insurance with Long-Term Care, provided though Trustmark Universal LifeEvents, is exactly what you need to plan for your financial future and alleviate any fear of burdening your family.

• Your rate is "locked in" at your age at purchase. Once you have your policy, your rate will never increase due to age.²
• Benefits can help with the cost of long-term care when the time comes, so you can avoid depleting your retirement savings or overburdening family members.
• Long-term care benefits can help pay for professional long-term facilities or services including home health care, assisted living, adult day care and more.
• Coverage is available for your spouse and eligible children.

Eligible employees include active full-time employees aged 18-64 who are scheduled to work 30 or more hours per week, have 30 days to enroll after 30 days of employment. Active part-time employees between the ages of 18-64 who are scheduled to work 16 or more hours per week, have 30 days to enroll after 90 days of employment.

You will need to answer health questions during enrollment. As a qualifying new hire, you can enroll without answering health questions during the annual new hire enrollment period.