Forest City Trading Group is proud to introduce voluntary
Life Insurance plus Extended Care.
The Special Open Enrollment Begins November 1, 2024 and ends on December 2, 2024
Agent-Assisted Enrollment
Life Insurance + Extended Care Planning Professionals are available to help you learn more about the benefit, create a plan that is right for you and walk you through the enrollment. Contact us today by calling (888) 515-6514 or click below to submit a request for a consultant to contact you.
On-Demand Educational Webinar
Click below to learn more about FCTG's Life Insurance + Extended Care Plan. Extended Care coverage ensures you have a way to pay for the high costs of extended care services.
Advantages of the Special Enrollment
Coverage
Comprehensive coverage in your home, your community, assisted living facility or nursing home.
Portability
All plans are fully portable. If you are terminated, leave your job or move to another state, you can take your plan with you.
Tax-free Benefits
Benefits received are tax-free.
No Gender-Based Pricing
No gender-based pricing which means applicants do not pay higher premiums based on their gender.
Guaranteed Issue Underwriting
Actively-at-work benefits eligible employees must be 18-70 years old, work 40+ hours/week for full time or 24+ hours/week for part time and apply during the open enrollment period: November 1 to December 2, 2024 to be eligible to apply with Guaranteed Issue underwriting. All others 71-75 or enrolling above the guaranteed issue maximum may be eligible with medical underwriting. Spouses/domestic partners ages 18-70 may also enroll with Guaranteed Issue with one disability question. Coverage limits apply.
Sample Monthly Rates
Refer to the below for sample monthly rates for Life Insurance plus Extended Care. A 45 year old non-smoker can get $25,000 in coverage for $34.51 a month. This provides you up to $1,000 a month in extended care benefits for up to 50 months for professional care services of $500 a month for up to 100 months for informal care received by a family member or friend, plus permanent life insurance.
The same 45 year old can get $100,000 in coverage for $138.03 a month. This provides you up to $4,000 a month in extended care benefits for up to 50 months for professional care services of $2000 a month for up to 100 months for informal care received by a family member or friend, plus permanent life insurance. Smoker rates will be higher.
*The rate amount will vary based on age, tobacco status and coverage selections. Please speak with an ACSIA Partners Extended Care specialist for exact quotes.
1 Monthly professional Extended Care = 4% of death benefit
2 Monthly Family Extended Care = 2% of death benefit