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Guaranteed acceptance is available for newly eligible employees through May 18th, 2026.

Plan Advantages

Good news! The Trustmark LTC + Universal life insurance program is now available.

Acceptance into the program is guaranteed for newly eligible employees through May 18th ,2026. All other eligible employees aged 18-70 may apply with health questions. Please review the information below.

2 for 1

One policy with two benefits. Life insurance protection for your family during your work years and long-term care protection if you happen to need care. As long as coverage is active, a benefit will always pay.

Guarantee issue

Eligible Full-Time employees aged 18-64 hired since 2/11/2025 and Part-Time employees hired since 11/11/2024 can select up to $150,000 of life insurance with guaranteed acceptance (no health questions). Spouses/domestic partners aged 18-70 can select up to $150,000 of life insurance with health questions.

Lock in your rates

The premium will not increase due to age once you’re enrolled, even if your health declines.

Life insurance

Life insurance protects your family with money that can be used any way they choose. It is most often used to pay for mortgage or rent, education for children and grandchildren, retirement, family debt, and final expenses. You can select up to $150,000 with GUARANTEED acceptance into the program.

1 Policy with 2 Benefits

LTC benefits

If you become chronically ill, your policy will pay you 4% of your selected life insurance amount each month you receive Long-Term Care. You will have access to 2x your life insurance amount to help pay for LTC services.

Example: $100,000 of life insurance would pay $4,000 per month in LTC benefits with a total LTC benefit of $200,000.

The cost of LTC compared to your assets & expenses

LTC services can be expensive. According to the US Department of Health and Human Services, the average cost of care can range from $48,000 - $100,000 / year depending on the type of care you are receiving and where you are receiving that care. LTC planning should be included in any responsible personal financial plan.

What are four top sources of financial stress?

Financial stress is never a good thing, especially if you're thinking about retirement. If you are concerned about being able to afford healthcare costs in retirement or outliving your retirement savings, you're not alone according to a recent MetLife study. Retirees are very aware of the areas of financial stress, however, LTC is often overlooked even though it can be a significant cost. The largest potential healthcare expense during retirement may be a LTC event. The Trustmark LTC + Life Insurance program offers LTC protection if you happen to need care at any point.

Americans realize the importance of LTC coverage

More than half of Americans say they need LTC coverage yet only around 1/3 have coverage. As we age the likelihood of need LTC services increase. The most recent US Department of Health & Human Services data says around 70% of us will need care at some point. That's a big number! The good news is the Trustmark program offers you both life insurance, to protect your family now, and LTC coverage, if you happen to need those services later on.

A- (Excellent) Rated Insurance Carrier

A.M. Best has affirmed the Financial Strength Rating of A- (Excellent).