Protect the ones you love with CTA-endorsed Life Insurance from The Standard
Life Insurance is a key component of any comprehensive financial plan. By including Life Insurance as part of your plan, you help to protect the financial well being of your loved ones in the event of your passing.
But coverage under the CTA-endorsed Life policy does more than help protect your family from financial hardship after a loss. Insured participants have access to additional services that can make a difference now and in the future:
- Life Services Toolkit – Online tools and services can help insured members create a will, make advance funeral plans and put finances in order. After a loss, beneficiaries can consult experts by phone or in person, and obtain other helpful information online.¹
- Travel Assistance provides insured members and their families access to a comprehensive range of professional, 24-hour medical, legal and trip assistance information, as well as referral and coordination services. This worldwide assistance service is available to plan participants whenever they are traveling 100 miles or more from home or when traveling in a foreign country for trips up to 180 days.²
How You Get It
You can apply for up to $400,000 of coverage at any time by providing satisfactory proof of good health.
To apply you can:
In some circumstances you may be eligible to apply for coverage with no health questions asked. These opportunities include:
- Newly Hired Members
During your first 180 days of starting work you have a unique opportunity to enroll in up to $200,000 of Life Insurance.
- Members Who Change Districts
During your first 180 days of starting work at a new district you have the opportunity to continue your coverage at its current level or you can apply for up to $200,000 of Life Insurance under the new hire opportunity described above.
- Family Status Change
Within 60 days following the date of a family status change, such as birth/adoption, marriage/domestic partnership, divorce/dissolution, loss of spousal employment, or other qualifying event, you may add or increase your coverage to up to $200,000.
In addition, there may be other opportunities for you to add coverage, including special chapter enrollment campaigns or when transferring coverage from another insurance carrier to The Standard.
1 The Life Services Toolkit is provided through an arrangement with Morneau Shepell and is not affiliated with The Standard. Morneau Shepell is solely responsible for providing and administering the included service. This service is not an insurance product. The Life Services Toolkit is not available to Life insurance beneficiaries who are minors or to non-individual entities such as trusts, estates or charities.
2 Travel Assistance is provided through an arrangement with UnitedHealthcare Global, which is not affiliated with The Standard, and is subject to terms and conditions, including exclusions and limitations, of the UnitedHealthcare Global Travel Assistance Program Description. UnitedHealthcare Global is solely responsible for providing and administering the included service. Travel Assistance is not an insurance product. UnitedHealthcare Global is the marketing name for FrontierMEDEX, Inc. This service is only available while insured under The Standard’s group policy.
The information described here is subject to all terms and provisions of the Group Policy. For costs and further details of this offer and coverage, including exclusions, benefit waiting periods, any reductions or limitations and the terms under which the policy may be continued in force, please contact Standard Insurance Company at 800.522.0406 (TTY).
Life Insurance underwritten by Standard Insurance Company is provided under policy form number GP190-LIFE/S399/CTA.3.