Universal life insurance is permanent life insurance that helps
shield your family from financial hardship if you or your spouse
were suddenly out of the picture. It’s that simple.
Universal life:
• Helps provide permanent financial protection.
• Is a financial tool that helps you manage life at every stage –
from supporting your family to sending your children to college
to living out your retirement dreams.
• B
uilds cash value over time that you can access for life’s challenges
and life’s opportunities.
There are lots of misconceptions about universal life coverage.
And then there is reality.
MYTH:
FACT:
Nowadays, everyone has life
insurance coverage. There is no
need to offer more.
Nearly a third of U.S. households have
no life insurance coverage and many
do not know where to get help buying
life insurance.1
MYTH:
FACT:
You may no longer look to
employers to make decisions
surrounding life insurance.
64% of employees who own life insurance
obtain it through their employers.2
MYTH:
FACT:
It is better to buy low-cost term
life insurance vs. the cash value
permanent life policies.
Universal life coverage provides flexibility
not found in term coverage. Access to
benefits during living years provides a
valuable source of funds, helping to pay
for such things as long-term care needs.
Watch this video to learn more about Life Insurance.
1
“More Go Without Life Insurance”, The Wall Street Journal, August 29, 2010 2MetLife 10th Annual
Study of Employee Benefit Trends, 2010
Universal Life Insurance
Living Benefits for long-term care
(LTC) offers maximum LTC protection
during retirement. Living benefits
help you pay for home healthcare,
assisted living, adult day care and
nursing home services.
Benefits may vary and may not be available
in all states. Pre-existing condition
limitations may apply and may vary by state.
Exclusions and limitations may apply. The
long-term care benefit is an acceleration
of the death benefit and is not long-term
care insurance. It begins to pay after 90
days of confinement services, and to qualify
you must meet conditions of eligibility
for benefits. Living Benefits may not be
available in all states or may be named
differently. Please consult your policy/
group certificate for complete details. This
advertisement does not apply to Virginia or
Florida residents or policyholders. Please
contact a Virginia- or Florida-licensed
agent to obtain information about available
products.
Important Note: This is a voluntary
program available to CenturyLink
employees that offers insurance to
supplement your core benefits, purchasing
program, and discount mall for yourself,
your spouse, and your dependents. This
program is not a Company-sponsored plan
or benefit. It is not a plan covered under
the federal law known as “ERISA.” The
Company has simply chosen to allow this
vendor to make its programs available to
CenturyLink employees through payroll
deduction, but please be advised that this
is a voluntary program and only you can
decide whether the benefits provided by
this program are appropriate for you and
your family. You are encouraged to research
all suitable alternatives and consult with your
personal advisors. The Company is not able
to provide you with advice regarding the
program. Your participation is your decision,
completely voluntary and at your own
expense.
©2013 Trustmark Insurance Company
• Family coverage – Apply for
your spouse even if you choose
not to participate.
• Portability – Take your coverage
with you and pay the same premium
if you change jobs or retire.
• Convenient payroll deduction –
No bills to watch for. No checks to
mail. A direct bill option is available
when you change jobs or retire.
• Applying is easy.
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It’s your life.
Help protect it with
Trustmark Universal Life
insurance.
Underwritten by Trustmark Insurance Company
Rated A- (EXCELLENT) A.M. Best1
400 Field Drive • Lake Forest, IL 60045
trustmarksolutions.com
P485-1035 (3-13)_centurylinkNH