A Unique Plan for Employees
and Their Families
This program allows you to purchase an individual universal life insurance
policy to assist you in meeting your personal and family insurance needs.
This coverage is available for your spouse and dependent children, even
if you choose not to participate in this voluntary benefit.
The Plan with Universal Appeal
Universal life insurance combines unparalleled
flexibility with protection. This popular plan provides insurance
coverage with a death benefit to meet long-term insurance needs.
With universal life you have the opportunity to tailor your plan to fit
your budget and needs. You can take comfort in selecting your own
premium and coverage levels with the freedom to change selections in the
future as your needs change, subject to company guidelines.
When was the last time you looked
at your life insurance?
Perhaps now is a good time to ask yourself the following questions.
Have you . . .
 Had
a change in income, financial responsibilities, or goals?
Had a change
in family makeup or size?
Purchased a
new home?
Included aging
parents or other relatives in your financial
responsibilities?
Checked the
effect of inflation on your current coverage?
Why individual universal life insurance
coverage?
Universal life insurance is designed to provide
a base of insurance coverage for your lifetime as long as sufficient premiums
are paid. It offers you life insurance protection, tax-deferred cash
value accumulation, cash value loans, and partial withdrawal privileges
- all in one policy.
The premium you pay is based on the death
benefit you select, the optional riders you choose, and the amount of cash
value desired as well as your age and smoking status. The insurance
coverage and premium amounts are flexible and may be re-evaluated as your
needs change.
If you are serious about finding solutions,
please contact us at:
Integrated Benefits
Services, Inc.
93 Case Street, Canton,
Connecticut 06019
Tel. (860) 693-6725 - Toll Free (888) 909-IBSI (4274)
Fax (860) 693-9475
If you have any questions or
need further information on any of our services, please fill-out our
Information Request Form or
E-mail us at
services@ibsbeneflex.com
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