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Whole Life with Long-Term Care

Whole Life brochure cover

Whole Life Brochure

Learn how Whole Life Insurance with Long-Term Care works: benefit explanation, premiums, how to file a claim and how to enroll. Eligible members can enroll without qualifying health questions (within limits), and coverage is available for eligible spouses and dependent children. The long-term care rider is available to retirees and eligible spouses under age 71. Retirees and spouses ages 71 to 80 may enroll in Whole Life Insurance only.

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Whole Life Policyholder Information

Underwritten by The Standard

Account and resources

Claim forms

Service forms

Change of address

Both steps are needed so your plan mail reaches you.

  1. Update your address in ORBIT (opens in a new tab)
  2. Call 855-627-3847 or use our chat feature.

Whole Life Insurance with Long-Term Care pays a benefit to your loved ones when you die, and lets you use that same benefit while you are living if you need long-term care.

Key Plan Features

  • No medical questions to answer at initial enrollment for retiree, spouse and child(ren)
  • Coverage is yours to keep — premiums do not increase with age
  • Long-Term Care benefit can be used for nursing home, assisted living or home health care
  • Accelerated Death Benefit available if you are diagnosed with a terminal illness
  • Benefits are paid directly to you, to use however you choose
  • The Accelerated Death Benefit for Long Term Care Rider is available to retirees and spouses under the age of 71.

What retirees say

The expertise Lisa demonstrated regarding her knowledge of the insurance industry will help me make a better decision about my future options at this late date in my life. She did not make recommendations, but explained the options with clarity so that I am able to make a reasonable decision when the options I have now are not the options I wanted. She laid out the choices I have, clearly laying out the pros and cons of each option. I hope Pierce Insurance Company is having her train others in her knowledge of insurance along with educating them on how to treat customers who are trying to make the right life decision for them and their families. I received excellent customer service which is a rarity these days.

Ms. Singleton was very professional and extremely polite. She explained with crystal clear clarity everything I was curious about regarding a whole life plan and how it works. She was highly knowledgeable about cost breakdowns and financing for the desired plan. She was a pleasure to meet by phone and to guide me through the process of getting my plan ready for the coming new year. Please give her a raise in pay. She deserves it!

Mr. Charles Combs was polite, personable, and professional. I trusted his voice and his presentation. He represents your family and company with competency and consideration. Thank you.

Elizabeth was caring and personable. She cared about my questions and comments and was very patient when asked to repeat things.

I had the pleasure of speaking with Sarah Davis. She was professional and helpful in getting me rates for the Whole Life with LTC.