Term Life Coverage

USAble Life* is pleased to offer Life Solutions, a term life insurance program for Arkansas Blue Cross and Blue Shield individual policyholders. Life Solutions can enhance your existing life coverage - at a price you can afford. All benefits are paid regardless of other life insurance that you may have. While Life Solutions is provided under a separate policy, you also must apply for an Arkansas Blue Cross individual health insurance plan to obtain it. Coverage is available to Arkansas Blue Cross individual health insurance policyholders and their covered spouses, age 19 through 64.

  • Benefits will be paid directly to the designated beneficiary in one lump sum.
  • Premiums are based on the age of the oldest person applying for coverage and increase when that person's age moves to the next age bracket. Your monthly premiums will be billed with your individual health insurance by Arkansas Blue Cross.
  • Your Life Solutions coverage will become effective with your Arkansas Blue Cross individual health insurance policy.

This coverage provides you with an affordable opportunity to bring your overall life insurance protection up to date ... while giving your family an extra measure of security.

Life Solutions - Monthly Individual
Premiums
Proposed Insured's Age $10,000 $30,000 $50,000
19-34 $1.00 $3.00 $5.00
35-39 $1.64 $4.92 $8.20
40-44 $2.76 $8.28 $13.80
45-49 $3.84 $11.52 $19.20
50-54 $6.27 $20.16 $33.60
55-59 $12.10 $36.30 $60.50
60-64 $13.44 $40.32 $67.20
 
Life Solutions - Monthly Individual & Spouse
Premiums
Proposed Insured's Age $10,000 $30,000 $50,000
19-34 $2.00 $6.00 $10.00
35-39 $3.28 $9.84 $16.40
40-44 $5.52 $16.56 $27.60
45-49 $7.68 $23.04 $38.40
50-54 $$13.44 $40.32 $60.20
55-59 $24.20 $72.60 $121.00
60-64 $26.88 $80.64 $134.40

Reductions & Terminations: If approved for Life Solutions coverage, benefits will reduce 33 1/3 percent of the pre-age 65 coverage for each insured on his/her 65th birthday. Coverage will terminate on the earlier of the following dates: (a) on the date participation in Arkansas Blue Cross and Blue Shield's individual health insurance terminates or (b) when the proposed insured reaches age 70.

Exception: If the proposed insured transfers from the above health coverage to Arkansas Blue Cross and Blue Shield's Medi-Pak program, the spouse may continue the Life Solutions coverage to age 70.

Limitations: In the case of suicide, during the first year of coverage or during the first year of an increase in coverage, benefits are limited to the premiums paid. The life insurance applied for on either the proposed insured or proposed insured/spouse will not become effective unless there has been no change in health of either the proposed insured or spouse between the date the application is signed and the effective date of coverage.

Important Note: Your premium will be accepted after coverage has been approved and a billing statement forwarded. This insert provides a brief description of Life Solutions. The insert is not a policy or certificate of coverage, and only the actual policy provisions will control.

* USAble Life is an independent company and operates separately from Arkansas Blue Cross and Blue Shield. USAble Life does not sell or service Arkansas Blue Cross and Blue Shield products. USAble Life is solely responsible for the term life policy (Policy Form 10006689-TGL) referenced here.