Term Life Program

As long as you are actively at work and work at least 20 hours a week for a participating employer, you may apply for VTL insurance underwritten by Life Insurance Company of North America, a CIGNA Company.

You may apply for coverage for yourself.  You may also apply for coverage for your spouse under age 70 whether or not you apply for coverage for yourself.  The premium you pay for your coverage and your spouse's coverage will be based on your age.  (If spouse only coverage is desired, premium is based on spouse's age.)

You may apply for coverage for your unmarried, dependent children under age 19 or up to age 25 if a full-time student, as long as you apply for coverage for yourself or your spouse.  Your eligible children can be insured for a single monthly premium, regardless of how many children you have.

Coverage is purchased in "units" of $10,000.  You may apply for as many units as you want, up to five times your basic annual salary rounded up to the next $10,000 unit amount for $500,000, whichever is less.  However, under a feature of this insurance program, any employee may apply for up to 30 units  -  $300,000  -  regardless of salary.  Spouse coverage is set at a maximum of 30 units ($300,000) of VTL coverage.

Call Stephanie Masters at the WBMA office for more information at 360-943-3054 
(1-888-551-9262 )


Employee Age

Cost per $10,000 Unit

Under 20
$   .80
20 to 24
$   .94
25 to 29
$  1.00
30 to 34
$  1.15
35 to 39
$  1.39
40 to 44
$  2.06
45 to 49
$  3.30
50 to 54
$  5.50
55 to 59
$  8.20
60 to 64
$ 12.33
65 and over
$ 17.65


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