Greetings from the Missouri Voluntary Life Insurance Commission
As the third party administrator for the Missouri Voluntary Life Insurance Commission (MoVLIC), McDaniel Hazley Group (MHG) works with State Departments, Commissions, and Agencies offering Allstate's Universal Life Insurance (Allstate Workplace Division1) statewide.
Allstate Workplace Division1 universal life program is available to all State of Missouri employees and made available to employees in other Missouri public entities.
For more information regarding the contingent guaranteed issue universal life product, contact us.
What is universal life insurance?
A universal life plan builds fund value while providing flexible life insurance coverage to meet your changing needs. Premium payments are adjustable, as is the amount of insurance coverage you select. Fund value accumulations are tax-deferred and earn a competitive rate of interest. Cost of insurance charges and expense charges are deducted each month.
What company insures the plan?
American Heritage Life Insurance Company is a wholly-owned subsidiary of The Allstate Corporation, one of the largest insurance companies in the nation. American Heritage Life Insurance Company is rated “A+” (Superior), by A.M. Best (2005), an independent rating service that reviews the financial status of thousands of insurers. Ratings reflect Best’s opinion of the relative financial strengths and operating performance of an insurance company in comparison to the norms of the life/health insurance industry.
Who is eligible to apply for Universal Life Insurance coverage?
As long as you are a full-time and active employee during the time of enrollment, you are eligible to apply for coverage.
Is my family eligible for coverage?
Yes. You can apply for coverage for your children and grandchildren even if you don’t purchase coverage on your own life.
Is a physical exam required?
Physical exams are not required for yourself or any family members under the normal underwriting guidelines.