Tobacco Status is based on a 12 Month Look Back for use of Cigarettes, Cigars, Smokeless Tobacco, and E-Cigarettes.
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Chubb Plan
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State Payroll Tax
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Benefit Features
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Employer Paid
The premium for this plan is 100% paid for by HGGC, LLC.
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A
If an applicant elects a life insurance face value amount less than $38,000, the benefit amount will equal $50 per day (~ $1,500 per month). The benefit payment duration will be subject to the Remaining Accelerated Death Benefit Amount.
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B
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Life Insurance Face Value
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$10,000
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$25,000
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$50,000
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$75,000
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$100,000
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$125,000
|
$150,000
|
|
|
|
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Monthly LTC Benefit Amount
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$1,500
|
$1,500
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$2,000
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$3,000
|
$4,000
|
$5,000
|
$6,000
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|
|
|
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LTC Rider Duration
|
6.6 months
|
16.6 months
|
25 months
|
25 months
|
25 months
|
25 months
|
25 months
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|
|
|
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Extension of LTC Benefits
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13.2 months
|
33.2 months
|
50 months
|
50 months
|
50 months
|
50 months
|
50 months
|
|
|
|
|
Total LTC Duration
|
19.8 months
|
49.8 months
|
75 months
|
75 months
|
75 months
|
75 months
|
75 months
|
|
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|
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LTC Maximum Benefit
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$30,000
|
$75,000
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$150,000
|
$225,000
|
$300,000
|
$375,000
|
$450,000
|
|
$36,500
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|
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Monthly Premium
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$ 0.00
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$ 0.00
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$ 0.00
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|
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Spouse Monthly Premium
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$ 0.00
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$ 0.00
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$ 0.00
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|---|---|
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Benefit Features
|
Employer Paid
The premium for this plan is 100% paid for by HGGC, LLC.
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|---|---|
|
Life Insurance Face Value
|
$10,000
|
|
Monthly LTC Benefit Amount
|
$1,500
|
|
LTC Rider Duration
|
6.6 months
|
|
Extension of LTC Benefits
|
13.2 months
|
|
Total LTC Duration
|
19.8 months
|
|
LTC Maximum Benefit
|
$30,000
|
|
Monthly Premium
|
$ 0.00
$5.32
$6.72
$5.32
$6.72
$5.39
$6.87
$5.48
$7.02
$5.57
$7.17
$5.66
$7.32
$5.76
$7.49
$5.95
$7.74
$6.16
$8.02
$6.37
$8.29
$6.61
$8.57
$6.82
$8.87
$7.12
$9.26
$7.42
$9.67
$7.74
$10.08
$8.08
$10.52
$8.42
$10.98
$8.87
$11.52
$9.33
$12.08
$9.82
$12.67
$10.33
$13.30
$10.86
$13.95
$11.44
$14.79
$12.03
$15.67
$12.65
$16.58
$13.30
$17.53
$13.98
$18.52
$14.90
$19.75
$15.88
$21.02
$16.93
$22.39
$18.08
$23.85
$19.29
$25.39
$20.44
$27.04
$21.67
$28.77
$22.96
$30.60
$24.31
$32.51
$25.73
$34.52
$27.89
$37.23
$30.17
$40.09
$32.59
$43.09
$35.14
$46.26
$37.84
$49.58
$41.10
$53.70
$44.51
$58.00
$48.11
$62.46
$51.86
$67.11
$55.81
$71.98
$62.06
$79.90
$68.66
$88.25
$75.64
$97.10
$83.06
$106.50
$90.95
$116.50
|
|
Spouse Monthly Premium
|
$ 0.00
|
|
Total Monthly Premium Without Marital Discount
|
$ 0.00
|
|
Total Monthly Premium With Marital Discount
|
$ 0.00
|
|
Benefit Features
|
A
If an applicant elects a life insurance face value amount less than $38,000, the benefit amount will equal $50 per day (~ $1,500 per month). The benefit payment duration will be subject to the Remaining Accelerated Death Benefit Amount.
|
|---|---|
|
Life Insurance Face Value
|
$25,000
|
|
Monthly LTC Benefit Amount
|
$1,500
|
|
LTC Rider Duration
|
16.6 months
|
|
Extension of LTC Benefits
|
33.2 months
|
|
Total LTC Duration
|
49.8 months
|
|
LTC Maximum Benefit
|
$75,000
|
|
Monthly Premium
|
$ 0.00
$13.29
$16.79
$13.29
$16.79
$13.48
$17.17
$13.71
$17.54
$13.94
$17.94
$14.15
$18.31
$14.40
$18.73
$14.87
$19.35
$15.40
$20.04
$15.94
$20.73
$16.52
$21.42
$17.06
$22.19
$17.81
$23.14
$18.56
$24.17
$19.35
$25.21
$20.21
$26.31
$21.06
$27.46
$22.17
$28.81
$23.33
$30.21
$24.56
$31.69
$25.83
$33.25
$27.14
$34.87
$28.60
$36.98
$30.08
$39.17
$31.62
$41.46
$33.25
$43.83
$34.96
$46.31
$37.25
$49.37
$39.71
$52.56
$42.33
$55.98
$45.21
$59.62
$48.23
$63.48
$51.10
$67.60
$54.19
$71.93
$57.39
$76.50
$60.77
$81.27
$64.33
$86.31
$69.73
$93.08
$75.43
$100.23
$81.48
$107.72
$87.85
$115.66
$94.60
$123.95
$102.75
$134.24
$111.29
$144.99
$120.27
$156.16
$129.66
$167.78
$139.54
$179.95
$155.16
$199.74
$171.66
$220.62
$189.10
$242.74
$207.66
$266.24
$227.39
$291.24
|
|
Spouse Monthly Premium
|
$ 0.00
|
|
Total Monthly Premium Without Marital Discount
|
$ 0.00
|
|
Total Monthly Premium With Marital Discount
|
$ 0.00
|
|
Benefit Features
|
B
|
|---|---|
|
Life Insurance Face Value
|
$50,000
|
|
Monthly LTC Benefit Amount
|
$2,000
|
|
LTC Rider Duration
|
25 months
|
|
Extension of LTC Benefits
|
50 months
|
|
Total LTC Duration
|
75 months
|
|
LTC Maximum Benefit
|
$150,000
|
|
Monthly Premium
|
$ 0.00
$26.58
$33.58
$26.58
$33.58
$26.96
$34.33
$27.42
$35.08
$27.87
$35.87
$28.29
$36.62
$28.79
$37.46
$29.75
$38.71
$30.79
$40.08
$31.87
$41.46
$33.04
$42.83
$34.12
$44.37
$35.62
$46.29
$37.12
$48.33
$38.71
$50.41
$40.42
$52.62
$42.12
$54.91
$44.33
$57.62
$46.66
$60.41
$49.12
$63.37
$51.66
$66.50
$54.29
$69.75
$57.21
$73.96
$60.16
$78.33
$63.25
$82.91
$66.50
$87.66
$69.91
$92.62
$74.50
$98.75
$79.41
$105.12
$84.66
$111.95
$90.41
$119.25
$96.45
$126.95
$102.20
$135.20
$108.37
$143.87
$114.79
$152.99
$121.54
$162.54
$128.66
$172.62
$139.45
$186.16
$150.87
$200.45
$162.95
$215.45
$175.70
$231.32
$189.20
$247.91
$205.49
$268.49
$222.57
$289.99
$240.53
$312.32
$259.32
$335.57
$279.07
$359.90
$310.32
$399.48
$343.32
$441.23
$378.19
$485.48
$415.32
$532.48
$454.77
$582.48
|
|
Spouse Monthly Premium
|
$ 0.00
|
|
Total Monthly Premium Without Marital Discount
|
$ 0.00
|
|
Total Monthly Premium With Marital Discount
|
$ 0.00
|
How to determine your per pay period premium for additional coverage above the Employer Paid plan: 
In the event of a discrepancy between the premiums shown here and the carrier rate calculation, carrier's information will prevail.