What is Permanent Life Insurance?

Permanent Life Insurance provides lifelong protection, and the ability to accumulate cash value on a tax-deferred basis. Unlike term insurance, a permanent insurance policy will remain in force for as long as you continue to pay your premiums.

Plan Rules:

•Eligibility: All full-time employees working 20+ hours/week, spouse, children and grandchildren (up to age 26)
• Coverage through Chubb
• Must be actively at work on the effective date
If electing for the first time outside of the initial open enrollment period, health questions will be

• Permanent Life offers the flexibility to meet a variety of personal needs while allowing employees the choice of
benefit and premium amounts which fit their paycheck and life style.
• Underwriting may be required.
• Keep your coverage at the same cost even if you retire or change employers

The Morgan County Benefit Portal is provided for illustrative purposes only. Actual benefits, services, premiums, claims processes and all other features and plan designs for coverage offered are governed exclusively by the provider contract and associated Summary Plan Description (SPD).