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Individuals and Families: Term Life Insurance
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USAble Life* is pleased to introduce Life Solutions — a term life insurance program for
Arkansas Blue Cross and Blue Shield individual policyowners. You
have a choice of benefit amounts, ranging from $10,000 to $50,000. Benefits
will be paid directly to the designated beneficiary in one lump sum.
*USAble Life is an independent company and operates separately from Arkansas Blue Cross and Blue Shield. USAble
Life does not sell or service Arkansas Blue Cross and Blue Shield products. USAble Life is solely responsible
for the term life policy referenced here.
Premiums
Premiums are based on the age of the oldest person applying for coverage and
increase when that person's age moves to the next age bracket. Your monthly
premiums will be billed with your BlueChoice coverage by Arkansas Blue Cross
and Blue Shield. Your coverage will become effective at the same time as your
BlueChoice coverage.
| Life
Solutions - Monthly Individual Premiums |
| Proposed Insured's Age |
$10,000 |
$30,000 |
$50,000 |
| 18-34 |
$ 1.00 |
$ 3.00 |
$ 5.00 |
| 35-39 |
$ 1.64 |
$ 4.92 |
$ 8.20 |
| 40-44 |
$ 2.76 |
$ 8.28 |
$13.80 |
| 45-49 |
$ 3.84 |
$11.52 |
$19.20 |
| 50-54 |
$ 6.72 |
$20.16 |
$33.60 |
| 55-59 |
$12.10 |
$36.30 |
$60.50 |
| 60-64 |
$13.44 |
$40.32 |
$67.20 |
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| Life
Solutions - Monthly Individual & Spouse Premiums |
| Proposed Insured's Age |
$10,000 |
$30,000 |
$50,000 |
| 18-34 |
$ 2.00 |
$ 6.00 |
$ 10.00 |
| 35-39 |
$ 3.28 |
$ 9.84 |
$ 16.40 |
| 40-44 |
$ 5.52 |
$16.56 |
$ 27.60 |
| 45-49 |
$ 7.68 |
$23.04 |
$ 38.40 |
| 50-54 |
$13.44 |
$40.32 |
$ 67.20 |
| 55-59 |
$ 24.20 |
$72.60 |
$121.00 |
| 60-64 |
$ 26.88 |
$80.64 |
$134.40 |
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Limitations
In the case of suicide, during the first year of coverage or during the first
year of an increase in coverage, benefits are limited to the premiums paid. The
life insurance applied for on either the proposed insured or proposed
insured/spouse will not become effective unless there has been no change in
health of either the proposed insured or spouse between the date the
application is signed and the effective date of coverage.
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