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To receive your quote, answer a few questions, select your coverage options, review your non-binding quote, and apply for insurance.

Individual Whole Life Insurance is not available in selected State.
Please call 1-888-292-7749 , Monday through Friday, 8:00 AM to 7:00 PM EST for assistance.

Limited Benefit, Please Read Carefully

NOTICE TO CONSUMER: THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. ALSO, THE BENEFITS PROVIDED BY THIS POLICY CANNOT BE COORDINATED WITH THE BENEFITS PROVIDED BY OTHER COVERAGE. PLEASE REVIEW THE BENEFITS PROVIDED BY THIS POLICY CAREFULLY TO AVOID A DUPLICATION OF COVERAGE.

If you are already covered by Medicaid, you should not purchase this coverage

ILLINOIS RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT
Effective June 1, 2011

This notice is to advise you of the Illinois Religious Freedom Protection and Civil Union Act (the Act), and its impact on your insurance coverage.

The Act creates a legal relationship between two persons of the same or opposite sex who form a civil union pursuant to the Act. A marriage between persons of the same sex, a civil union, or a substantially similar legal relationship other than common law marriage, legally entered into outside of Illinois, will be recognized in Illinois as a civil union.

Parties to a civil union are entitled to the same legal obligations, responsibilities, protections and benefits that are afforded or recognized by the laws of Illinois to spouses.

Effective June 1, 2011, the term 'spouse' in policies, certificates, and applications will be considered to include the parties to a civil union. Policies of insurance that provide coverage for children will include coverage for the children of civil unions.

Will this insurance policy replace or change any life insurance or annuity contract in force with Union Labor Life or any other company?

NOTICE REGARDING REPLACEMENT
REPLACING YOUR LIFE INSURANCE POLICY OR ANNUITY?

Are you thinking about buying a new life insurance policy or annuity and discontinuing or changing an existing one? If you are, your decision could be a good one–or a mistake. You will not know for sure unless you make a careful comparison of your existing benefits and the proposed policy or contract's benefits.

Make sure you understand the facts. You should ask the company or agent that sold you your existing policy or contract to give you information about it.

Hear both sides before you decide. This way you can be sure you are making a decision that is in your best interest.

Note: Spouse includes Domestic Partner, Civil Union Partner, or Legal Partner as recognized by the jurisdiction in which you reside.

Note: *Domestic Partner and Civil Union Partner

With respect to your "spouse" or "Domestic Partner" or "Civil Union Partner" the following definitions apply:

The term "spouse" means a legally married man and woman.

The term "Domestic Partner" or "Civil Union Partner" means two people of the same or opposite sex who have entered into a personal relationship or union that is recognized by a state or government without the implicit historical and religious meaning associated with the term "marriage." A "domestic partner" or "civil union partner" does not include:

persons younger than 18 years of age;
persons who enter into a personal relationship or union prior to the dissolution of a legal marriage, previous personal relationship or union, or substantially similar legal relationship of one of the parties;
persons who are ancestors, descendents, or siblings whether the relationship is by the half or the whole blood or by adoption;
aunts or uncles and a niece or nephew, whether the relationship is by the half or the whole blood or by adoption; nor
first cousins.

Note: According to the laws of the state of Virginia, spouse is defined as a person of the opposite sex to whom you are legally married.

* Insured's E-mail:

When you share your e-mail address, you may receive periodic e-mails about money-saving benefits endorsed by your Union. You will always have the right to opt-out of receiving these e-mails.

* Coverage Amount:

Automatic Loan Provision
By checking this Automatic Loan Provision box, you will allow Union Labor Life to make premium payments for you. This special feature helps you avoid missing a premium payment (note: use of the Automatic Loan Provision also reduces the accumulated cash value and reduces the death benefit that is paid).

Would you like an Accidental Death Insurance Benefit Rider?
This rider can be purchased up to age 65 and provides additional benefits if death occurs as a result of an accident within 180 days of the injury. This rider expires at age 70.

Yes

Would you like a $10,000 Children's Term Life Insurance Benefit Rider?
This rider provides a death benefit for your unmarried children, 14 days through age 24. Each child may convert their coverage to an Individual Whole Life Insurance Policy prior to age 25.

Yes

Individual Whole Life Insurance

ILLINOIS RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACTEffective June 1, 2011

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ILLINOIS RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT
Effective June 1, 2011