• Universal Life and Long Term Care Insurance - Trustmark

    Trustmark Customer Service
    (800) 918-8877
    LifeEvents is unique. It combines two important benefits into one affordable product, permanent life insurance and long-term care. It’s designed to match an employee’s needs throughout their lifetime, so they have the benefits they need, when they need them most.

    Working Years

    LifeEvents pays a higher death benefit during working years when expenses are high and families need maximum protection. Then at age 70, when expenses typically reduce, LifeEvents reduces the death benefits to better fit an employee’s needs.

    Throughout Retirement

    LifeEvents pays a consistent level of living benefits throughout the life of the policy in order to have long-term care benefits when they are most likely needed. These benefits can help to provide for the cost of care beyond a predetermined period. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), walking or have a significant cognitive impairment.


    Pre-Existing Condition Limitation

    Benefits will not be paid for loss due to a pre-existing condition that starts during the first six months after the effective date.

    Employees are eligible during this enrollment period only to apply for a guaranteed issue policy which would be the lesser of:  The death benefit that can be purchased for up to $20 in weekly premium or $200,000 (age 64 max). Higher benefit amounts are available subject to evidence of insurability.
    • Employee- Modified Guarantee Issue $21 per week; Simplified Issue up to $300,000
    • Spouse - Modified Guarantee Issue $4 per week; Simplified Issue up to $300,000
    • Provides a death benefit to your beneficiaries and a living benefit to you through a long term care rider
    • Coverage is available for you, your spouse, children and your grandchildren 
    How do I add or change a beneficiary on my life insurance?
    If you would like to make changes to your beneficiaries you may do so at any time by contacting Trustmark.