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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 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 certif­icate 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 69 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 additional disclosures specific to your state, see below.
 

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.
 

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- (4th out of 16 possible ratings ranging from A++ to Suspended).

Last Updated 2/4/2019

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.
 

Exclusions

 

This provision does not pay benefits for care that is received or loss incurred for any of the following:

 

  • Due to a Pre-Existing Condition when Your inability to perform Activities of Daily Living starts before or during the first 6 months after the Certificate Effective Date;
  • Due to mental, psychoneurotic or personality disorders without clinically diagnosed organic disease. However, nervous or mental disorders which are caused by clinically diagnosed organic disease, such as Alzheimer’s Disease and related degenerative and dementing illnesses are covered;
  • Incurred while residing or confined outside the United States;
  • For Professional Caregiving when there is no cost to the Insured;
  • An intentional self-inflicted injury or attempted suicide;
  • During any involvement in a war or act of war, declared or undeclared;
  • Service in the armed forces;
  • While participating or attempting to participate in an illegal activity, riot or insurrection, whether or not You are charged with a crime; or
  • Due to alcohol or drug addiction, unless the addiction results from administration of drugs for treatment as prescribed by a Physician.