Voluntary Benefits

Trustmark Life + Care®: Take charge of tomorrow

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Trustmark’s permanent term life and care solution

Amidst a rising need for long-term care1, the future can seem uncertain. Now, it no longer has to.

Trustmark Life + Care is a permanent term life insurance product designed to let you take charge of tomorrow. Easy to administer and offering flexible care benefits that can cover family caregiving – we listened to customers to design a solution with the innovation, flexibility and simplicity you asked for.

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Trustmark&rsquo;s<b>&nbsp;</b>permanent term life and care solution

New enhancements offer greater flexibility

6% benefit for professional caregiving

Every caregiving situation is unique, so it’s important to provide clients with the flexibility to meet a variety of needs. That’s why Trustmark Life + Care now offers a benefit that can pay 6% of the face amount of the policy per month for professional caregiving. Combined with our family caregiving benefits, employers now have greater flexibility to deliver the care benefits their employees need.
  • Professional Caregiving – payable at 4% or 6% of the face amount of the policy
  • Family Caregiving – payable at 2% of the face amount of the policy

Value that adds up: Life + Care...

Compatibility

An easy-to-administer solution with no more barriers to care.

  • Built to be compatible with the benefits administration system you want to use
  • No long-term care licensing required for chronic care
  • Term life insurance is simple and straightforward for employees to understand
Certainty

Certainty for you, your clients, and employees.

  • Guaranteed issue
  • Guaranteed benefits2
  • Guaranteed premiums
  • Portable coverage
 
 
Choice

Flexibility to choose who provides care, for how long and how benefits are received.

  • Benefits available for both family and professional caregiving, with the ability to switch between the two3
  • ​Care benefits can be offered to employees as either Chronic Care benefits or as 7702B(b) qualified long-term care benefits4
Customization

Options for valuable coverage where employees need it most.

  • Death benefit reduction – Reduces at age 70 to fit employee needs and help control costs5
  • Death benefit restoration – Restores the benefit that is reduced to help pay for care
  • Extension of benefits – Doubles the amount of care benefits available for professional and/or family caregiving
Coaching

Trustmark life and care policies include access to professional coaching through the Cariloop® Caregiver Support Platform®.6

  • Whether employees are caring for a loved one or planning for their own long-term care journey, Cariloop provides them with personalized care guidance

Care that matches employees' needs

Take this scenario: Sarah had a car accident that left her needing care. She had a home health aide for 6 months, then her spouse was able to help provide care for an additional 6 months while she finished recovering. With Trustmark Life + Care, Sarah can receive benefits for both professional and family caregiving - a feature not typically available with other carriers. 

Plan Design
Plan Design
***Care benefits have a 90-day elimination period.

Trustmark Life + Care: 7702B(b) qualified long-term care

Our broker partners have spoken and we've heard you. To offer even greater flexibility and to make sure you have a solution for any situation, Trustmark Life + Care can now be offered as 7702B(b) qualified long-term care. 
  • You can still offer care benefits as Chronic Care—you have the freedom to choose what's appropriate for your group
  • We have a solution with both Restoration & Extension available in every state (excluding NY)
Not available in: CO, HI, UT, NY
 

Everyone could use a little TLC - reach out today to start offering a life + care solution.

Looking to purchase permanent term life insurance coverage for yourself or a family member? Get started here to let your employer know you're interested - Trustmark voluntary benefits are only available through work.

1Availability may vary by state.
2Benefits are payable after 90 days of qualifying care has been received and the conditions for payment have been met.
3May only collect one type of care benefit at a time.
4This rider is intended to be a qualified long-term care insurance contract under Section 7702B(b) of the Internal Revenue Code.
5At age 70 or on the 10th anniversary of the policy date, whichever is later.
6Cariloop® and Cariloop’s Caregiver Support Platform® are registered trademarks of Cariloop, Inc. Cariloop is not a Trustmark Insurance Company program, but is created and managed by Cariloop, Inc. Trustmark is not responsible for any advice received from Cariloop.
Benefits, definitions, exclusions and limitations and form numbers may vary by state. Trustmark® and Trustmark Life + Care® are registered trademarks of Trustmark Insurance Company. Products underwritten by Trustmark Insurance Company. Rated A (Excellent) for financial strength by AM Best. The Universal Life HH/LTC rider is an acceleration of the death benefit and is not comprehensive long-term care insurance. The Trustmark Life + Care Chronic Care benefit is an acceleration of the death benefit and is not Long-Term Care insurance. The Trustmark Life + Care Long-Term Care benefit is an acceleration of the death benefit and is intended to be qualified Long-Term Care insurance under Section 7702B(b) of the Internal Revenue Code.