Life & Disability

Short-term Disability

Offers a worker a portion of their salary if they are unable to work for a short period of time—typically 3-6 months.

Long-term Disability

Offers a worker a portion of their salary if they are unable to work for a longer period of time—typically more than 6 months.

Long-Term Care

A type of accelerated death benefit that can be used to pay for a nursing home, assisted living, or in-home care when the insured requires help with “activities of daily living” such as bathing, eating, and using the bathroom.

Term-life Insurance

Insurance that lasts a number of years then ends. You choose the term when you take out the policy. Common terms are 10, 20, or 30 years.

Whole-Life Insurance

A type of permanent life insurance* that accumulates cash value. *permanent life insurance stays in force for the insured’s entire life unless the policyholder stops paying the premiums or surrenders the policy. It’s typically more expensive than term.
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