Voluntary Benefits
Trustmark Life + Care® Insurance
Trustmark Life + Care® marketing pieces and presentations provide a brief description of the benefits under forms GTL 121 C MET, GTL 121 C ERG and applicable riders CTR 121, LTC.121 and STR.121.
This is a life insurance benefit that also gives you the option to accelerate some of the death benefit in the event that you meet the criteria for a qualifying event in the certificate. This certificate does not provide long-term care insurance and is not subject to long-term care insurance law. This certificate is also not a long-term care partnership policy or a Medicare supplement certificate. The accelerated death benefit will terminate with the certificate.
Benefits provided by this certif¬icate are designed with the intent to qualify for favorable tax treatment under Section 101(g) of the Internal Revenue Code. Unlike the benefits provided by traditional or stand-alone long-term care insurance, the benefits provided by this certificate do not include coverage for the reimbursement of long-term care services. A maximum issue age applies to certain benefits; coverage issued at age 70 or later may differ from what is described here. Limitations on pre-existing conditions may apply. Benefits, definitions, exclusions and limitations and form numbers may vary by state. Please consult your certificate for complete information. For costs, coverage details and terms, see your agent or write the company. Underwriting conditions may vary, and determine eligibility for the offer of insurance. Trustmark® is a registered trademark of Trustmark Insurance Company. Trustmark Life + Care® is a trademark of Trustmark Insurance Company.
For Trustmark Life + Care with rider LTC.121
This a brief description of the benefits under forms GTL 121 C MET, GTL 121 C ERG, and applicable riders CTR 121, LTC.121 and STR.121. This is a life insurance benefit that also gives you the option to accelerate some of the death benefit in the event that you meet the criteria for a qualifying event. This is not a long-term care partnership policy or a Medicare supplement certificate. The accelerated death benefit will terminate with the certificate. The accelerated death benefit for terminal illness is designed with the intent to qualify for favorable tax treatment under Section 101(g) of the Internal Revenue Code. The accelerated death benefit for long-term care is designed with the intent to qualify for favorable tax treatment under Section 7702B(b) of the Internal Revenue Code and is subject to long-term care insurance law. Unlike the benefits provided by traditional or stand-alone long-term care insurance, the benefits provided do not include coverage for the reimbursement of long-term care services. A maximum issue age applies to certain benefits; coverage issued at age 70 or later may differ from what is described here. Limitations on pre-existing conditions may apply. Benefits, definitions, exclusions and limitations and form numbers may vary by state. Please consult your certificate for complete information. For costs, coverage details and terms, see your agent or write the company. This is a solicitation of insurance. Underwriting conditions may vary, and determine eligibility for the offer of insurance. Trustmark® and Trustmark Life + Care® are registered trademarks of Trustmark Insurance Company.
For additional disclosures specific to your state, see below.
This is a life insurance benefit that also gives you the option to accelerate some of the death benefit in the event that you meet the criteria for a qualifying event in the certificate. This certificate does not provide long-term care insurance and is not subject to long-term care insurance law. This certificate is also not a long-term care partnership policy or a Medicare supplement certificate. The accelerated death benefit will terminate with the certificate.
Benefits provided by this certif¬icate are designed with the intent to qualify for favorable tax treatment under Section 101(g) of the Internal Revenue Code. Unlike the benefits provided by traditional or stand-alone long-term care insurance, the benefits provided by this certificate do not include coverage for the reimbursement of long-term care services. A maximum issue age applies to certain benefits; coverage issued at age 70 or later may differ from what is described here. Limitations on pre-existing conditions may apply. Benefits, definitions, exclusions and limitations and form numbers may vary by state. Please consult your certificate for complete information. For costs, coverage details and terms, see your agent or write the company. Underwriting conditions may vary, and determine eligibility for the offer of insurance. Trustmark® is a registered trademark of Trustmark Insurance Company. Trustmark Life + Care® is a trademark of Trustmark Insurance Company.
For Trustmark Life + Care with rider LTC.121
This a brief description of the benefits under forms GTL 121 C MET, GTL 121 C ERG, and applicable riders CTR 121, LTC.121 and STR.121. This is a life insurance benefit that also gives you the option to accelerate some of the death benefit in the event that you meet the criteria for a qualifying event. This is not a long-term care partnership policy or a Medicare supplement certificate. The accelerated death benefit will terminate with the certificate. The accelerated death benefit for terminal illness is designed with the intent to qualify for favorable tax treatment under Section 101(g) of the Internal Revenue Code. The accelerated death benefit for long-term care is designed with the intent to qualify for favorable tax treatment under Section 7702B(b) of the Internal Revenue Code and is subject to long-term care insurance law. Unlike the benefits provided by traditional or stand-alone long-term care insurance, the benefits provided do not include coverage for the reimbursement of long-term care services. A maximum issue age applies to certain benefits; coverage issued at age 70 or later may differ from what is described here. Limitations on pre-existing conditions may apply. Benefits, definitions, exclusions and limitations and form numbers may vary by state. Please consult your certificate for complete information. For costs, coverage details and terms, see your agent or write the company. This is a solicitation of insurance. Underwriting conditions may vary, and determine eligibility for the offer of insurance. Trustmark® and Trustmark Life + Care® are registered trademarks of Trustmark Insurance Company.
For additional disclosures specific to your state, see below.
California (LTC.121)
In California, review “A Consumer’s Guide to Long-term Care from the Department of Aging” at: http://www.aging.ca.gov/aboutcda/publications/Taking_Care_of_Tomorrow_English/.
Connecticut
For certificates with a home state of Connecticut, a Chronic Illness must be expected to be permanent in order to receive Chronic Care benefits.
Illinois
For certificates with a home state of Illinois, Chronic Care benefits are capped at 75% of the Face Amount on the Schedule.
New Hampshire (LTC.121)
New Hampshire residents can reach the senior insurance counseling program at www.ServiceLink.org or 1-866-634-9412.
All other states
Please refer to publication https://content.naic.org/sites/default/files/publication-ltc-lp-shoppers-guide-long-term.pdf.
This represents all possible exclusions and limitations that may apply. Actual exclusions and limitations may vary by policy. Your policy will contain exact details.
An A.M. Best rating is an independent opinion of an insurer’s financial strength and ability to meet its ongoing insurance policy and contract obligations. It is not a recommendation of the specific policy provisions, rates or practices of Trustmark. Trustmark is rated A (3rd out of 16 possible ratings ranging from A++ to D).
Last Updated 3/25/2024
Trustmark Voluntary Benefit Solutions, Inc. is a subsidiary of Trustmark Mutual Holding Company. Insurance products are underwritten by Trustmark Insurance Company or, for life insurance products in NY, Trustmark Life Insurance Company of New York.
A112-3827