Plan Benefit Options
Term life coverage offers protection for a specified period and builds no cash value. If the covered member dies during the term, policy benefits are paid to beneficiaries. Riders for the following types of coverage often are available:
- Critical illness/total disability
- Increasing death benefits
- AD&D
- Family member coverage
Whole Life Coverage protects the policyholder through his or her life. Whole life coverage premiums end at a predetermined age. Accumulated cash values can be:
- Withdrawn at the policy's surrender
- Borrowed against as a loan
- Annuitized
- Or used to purchase extended or reduced paid-up insurance
Find out more about Humana Voluntary Benefits
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