Eligibility and Premiums


Missouri Voluntary Life Insurance Contractor

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 for your own life.

Is a Physical Exam Required?

Physical exams are not required for yourself or any family members under the normal underwriting guidelines.


Missouri Voluntary Life Insurance Contractor

How Much Does a Policy Cost?

Your premium will depend upon how much insurance coverage you need, your age, and if you are a smoker or non-smoker.

Premiums for your policy are collected through a convenient payroll deduction system, so you don't have to write and mail monthly checks for your premium.