The

Family
Protection

Plan
from

Employee

Term life insurance with terminal illness Benefit to age 100

The Family Protection Plan Highlights

The Family Protection Plan offers a guaranteed level
premium to age 100* and a guaranteed level death benefit
for the first 10 years. After 10 years the death benefit is
projected to remain level to age 100 and we do not anticipate
a reduction. The coverage amount cannot be individually
decreased on a particular insured due to a change in age,
health, or employment status.
Affordability. You choose the level of benefit that
best meets the needs of your family.
Portability. You and your family continue
coverage with no loss of benefits or increase in
cost should you terminate employment after the
first premium is paid, in which case the insurance
company will simply bill you directly. Coverage can
never be cancelled by the insurance company or
your employer unless you stop paying premiums.
Family Protection. Individual policies can be
purchased on the employee, their spouse and
children and grandchildren.
Children and Grandchildren Plan. Policies can also be purchased for children
and grandchildren ages newborn through 23 for $2.49/semi-monthly for a
$10,000 policy or $4.98/semi-monthly for a $20,000 policy.
Convenience. Premiums are taken care of simply and easily through payroll
deductions.
Easy Application Process. This insurance does not require a medical exam or
blood profile. Eligibility for coverage is based on a few simple health questions
on the application.
Emergency Burial Benefit. Within
24 hours after receiving notice of an
insureds death, an emergency death
benefit of the lesser of 50% of the coverage
amount, or $15,000 will be mailed to the
insureds beneficiary, unless the death is
within the two-year contestability period
and/or under investigation.
Terminal Illness. This plan pays the
insured 30% (25% in CT & MI) of
the policy coverage amount in a lump
sum upon the occurrence of a terminal
condition that will result in a limited life
span of less than 12 months.
*State variations apply. Not approved in all states.

SEMI-MONTHLY PREMIUMS & INITIAL COVERAGE AMOUNTS - FPP-TI

Age on
App. Date

18

19

20

21

22

23

24

25

26

27

28

29

30

31

32

33

34

35

36

37

38

39

40

41

42

43

44

45

46

47

48

49

50

51

52

53

54

55

56

57

58

59

60

61

62

63

64

65

66

67

68

69

70

$10,000
$3.58
$3.58
$3.58
$3.58
$3.58
$3.58
$3.58
$3.58
$3.59
$3.61
$3.65
$3.72
$3.80
$3.88
$3.98
$4.09
$4.21
$4.34
$4.49
$4.65
$4.82
$5.00
$5.21
$5.44
$5.69
$5.95
$6.23
$6.51
$6.81
$7.11
$7.43
$7.77
$8.14
$8.56
$9.04
$9.59
$10.20
$10.85
$11.54
$12.26
$12.99
$13.75
$14.54
$15.37
$16.23
$17.16
$18.18
$19.31
$20.62
$22.13
$23.85
$25.80
$28.00

$25,000
$5.70
$5.70
$5.70
$5.70
$5.70
$5.70
$5.70
$5.70
$5.72
$5.78
$5.89
$6.04
$6.24
$6.46
$6.70
$6.97
$7.27
$7.60
$7.97
$8.36
$8.79
$9.26
$9.77
$10.34
$10.97
$11.63
$12.31
$13.03
$13.77
$14.53
$15.32
$16.17
$17.09
$18.15
$19.35
$20.72
$22.24
$23.88
$25.60
$27.40
$29.23
$31.13
$33.10
$35.17
$37.33
$39.66
$42.19
$45.03
$48.29
$52.07
$56.38
$61.25
$66.75

$50,000
$9.23
$9.23
$9.23
$9.23
$9.23
$9.23
$9.23
$9.23
$9.27
$9.40
$9.60
$9.92
$10.31
$10.75
$11.23
$11.77
$12.38
$13.04
$13.77
$14.56
$15.42
$16.35
$17.38
$18.52
$19.77
$21.08
$22.46
$23.90
$25.38
$26.90
$28.48
$30.17
$32.02
$34.13
$36.54
$39.27
$42.31
$45.58
$49.04
$52.63
$56.29
$60.08
$64.04
$68.17
$72.50
$77.15
$82.21
$87.90
$94.42
$101.98
$110.58
$120.33
$131.33

$75,000
$12.76
$12.76
$12.76
$12.76
$12.76
$12.76
$12.76
$12.76
$12.82
$13.01
$13.32
$13.79
$14.39
$15.04
$15.76
$16.57
$17.48
$18.48
$19.57
$20.76
$22.04
$23.45
$24.98
$26.70
$28.57
$30.54
$32.60
$34.76
$36.98
$39.26
$41.64
$44.17
$46.95
$50.10
$53.73
$57.82
$62.39
$67.29
$72.48
$77.85
$83.35
$89.04
$94.98
$101.17
$107.67
$114.64
$122.23
$130.76
$140.54
$151.89
$164.79
$179.42
$195.92

Available only on children and grandchildren of employee:

$2.49 semi-monthly
Age on App. Date

Coverage Amount
Full-Term Newborn
$10,000
to 23 years

$4.98 semi-monthly
Coverage Amount
$20,000

$100,000
$16.29
$16.29
$16.29
$16.29
$16.29
$16.29
$16.29
$16.29
$16.38
$16.63
$17.04
$17.67
$18.46
$19.33
$20.29
$21.38
$22.58
$23.92
$25.38
$26.96
$28.67
$30.54
$32.58
$34.88
$37.38
$40.00
$42.75
$45.63
$48.58
$51.63
$54.79
$58.17
$61.88
$66.08
$70.92
$76.38
$82.46
$89.00
$95.92
$103.08
$110.42
$118.00
$125.92
$134.17
$142.83
$152.13
$162.25
$173.63
$186.67
$201.79
$219.00
$238.50
$260.50

$125,000
$19.82
$19.82
$19.82
$19.82
$19.82
$19.82
$19.82
$19.82
$19.93
$20.24
$20.76
$21.54
$22.53
$23.63
$24.82
$26.18
$27.69
$29.35
$31.18
$33.16
$35.29
$37.64
$40.19
$43.05
$46.18
$49.46
$52.90
$56.49
$60.19
$63.99
$67.95
$72.17
$76.80
$82.06
$88.10
$94.93
$102.53
$110.71
$119.35
$128.31
$137.48
$146.96
$156.85
$167.17
$178.00
$189.61
$202.27
$216.49
$232.79
$251.70
$273.21
$297.58
$325.08

$150,000
$23.35
$23.35
$23.35
$23.35
$23.35
$23.35
$23.35
$23.35
$23.48
$23.85
$24.48
$25.42
$26.60
$27.92
$29.35
$30.98
$32.79
$34.79
$36.98
$39.35
$41.92
$44.73
$47.79
$51.23
$54.98
$58.92
$63.04
$67.35
$71.79
$76.35
$81.10
$86.17
$91.73
$98.04
$105.29
$113.48
$122.60
$132.42
$142.79
$153.54
$164.54
$175.92
$187.79
$200.17
$213.17
$227.10
$242.29
$259.35
$278.92
$301.60
$327.42
$356.67
$389.67

SEMI-MONTHLLY PREMIUMS & INITIAL COVERAGE AMOUNTS - FPP-TI

Age on
Application
Date

18-20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
59
60
61
62
63
64
65
66
67
68
69
70

$10
$12.50
$15
$17.50
$20
$22.50
$25
Semi-monthly Semi-monthly Semi-monthly Semi-monthly Semi-monthly Semi-monthly Semi-monthly
Initial
Initial
Initial
Initial
Initial
Initial
Initial
Coverage
Coverage
Coverage
Coverage
Coverage
Coverage
Coverage
Amount
Amount
Amount
Amount
Amount
Amount
Amount

$55,457
$55,457
$55,457
$55,457
$55,457
$55,457
$55,132
$54,179
$52,661
$50,538
$48,082
$45,631
$43,218
$40,781
$38,367
$36,015
$33,752
$31,597
$29,560
$27,606
$25,753
$23,949
$22,249
$20,705
$19,302
$18,025
$16,876
$15,838
$14,885
$13,988
$13,119
$12,256
$11,394
$10,556
$9,756
$9,021
$8,356
$7,762
$7,236
$6,763
$6,330

$73,156
$73,156
$73,156
$73,156
$73,156
$73,156
$72,727
$71,470
$69,468
$66,667
$63,427
$60,194
$57,011
$53,796
$50,612
$47,510
$44,524
$41,681
$38,994
$36,417
$33,973
$31,592
$29,349
$27,313
$25,462
$23,778
$22,262
$20,893
$19,636
$18,452
$17,306
$16,167
$15,030
$13,925
$12,870
$11,900
$11,022
$10,239
$9,546
$8,921
$8,350
$7,828
$7,346
$6,891
$6,455
$6,027

$90,855
$90,855
$90,855
$90,855
$90,855
$90,855
$90,323
$88,761
$86,275
$82,796
$78,772
$74,757
$70,805
$66,811
$62,857
$59,004
$55,296
$51,765
$48,428
$45,228
$42,192
$39,236
$36,450
$33,921
$31,622
$29,530
$27,648
$25,948
$24,386
$22,917
$21,493
$20,078
$18,667
$17,294
$15,983
$14,779
$13,689
$12,717
$11,855
$11,079
$10,370
$9,722
$9,123
$8,558
$8,017
$7,485
$6,956
$6,429

$108,555
$108,555
$108,555
$108,555
$108,555
$108,555
$107,918
$106,052
$103,081
$98,925
$94,118
$89,320
$84,598
$79,826
$75,102
$70,498
$66,068
$61,849
$57,862
$54,038
$50,411
$46,879
$43,550
$40,529
$37,782
$35,283
$33,034
$31,003
$29,137
$27,381
$25,680
$23,990
$22,303
$20,663
$19,097
$17,658
$16,356
$15,194
$14,165
$13,237
$12,391
$11,616
$10,900
$10,225
$9,578
$8,943
$8,311
$7,681
$7,071
$6,488

$126,254
$126,254
$126,254
$126,254
$126,254
$126,254
$125,513
$123,343
$119,888
$115,054
$109,463
$103,883
$98,391
$92,842
$87,347
$81,992
$76,840
$71,933
$67,296
$62,849
$58,630
$54,522
$50,651
$47,137
$43,943
$41,035
$38,420
$36,057
$33,888
$31,845
$29,867
$27,901
$25,939
$24,031
$22,211
$20,537
$19,022
$17,671
$16,474
$15,396
$14,411
$13,510
$12,678
$11,892
$11,140
$10,401
$9,666
$8,933
$8,224
$7,546
$6,903

$143,953
$143,953
$143,953
$143,953
$143,953
$143,953
$143,109
$140,634
$136,695
$131,183
$124,808
$118,447
$112,184
$105,857
$99,592
$93,487
$87,612
$82,017
$76,730
$71,659
$66,849
$62,166
$57,751
$53,744
$50,103
$46,788
$43,806
$41,112
$38,638
$36,310
$34,054
$31,812
$29,576
$27,400
$25,324
$23,417
$21,689
$20,149
$18,784
$17,554
$16,431
$15,404
$14,455
$13,559
$12,702
$11,859
$11,021
$10,186
$9,377
$8,604
$7,871

$147,312
$140,153
$133,010
$125,977
$118,872
$111,837
$104,981
$98,384
$92,101
$86,164
$80,470
$75,068
$69,809
$64,852
$60,352
$56,263
$52,541
$49,192
$46,167
$43,389
$40,774
$38,241
$35,724
$33,212
$30,769
$28,438
$26,296
$24,356
$22,626
$21,093
$19,712
$18,451
$17,298
$16,232
$15,226
$14,263
$13,317
$12,376
$11,438
$10,530
$9,661
$8,839

Available only
on children and
grandchildren of
employee:
$2.49 semi-monthly
Age on application date:
Full-term newborn to 23 years
Coverage amount . . . $10,000
$4.98 semi-monthly
Age on application date:
Full-term newborn to 23 years
Coverage amount . . . $20,000

Policy Form FPP-TI

Underwritten by:

Administrative Offices: 777 Research Drive, Lincoln, NE 68521

Policy Form FPPTI-103

(866) 863-9753 www.5starima.com

Rev.2011.06