Medical Insurance Private Exchange
Click here for more information on the Medical Insurance Private Exchange.
Group Life Insurance
Term Life Insurance Plan
The The SPE Group Term Life Insurance Plan offers members and their families exceptional value and flexibility. With up to $750,000 in affordable coverage, the Plan gives you the range of benefits you need, whether to supplement your existing life insurance or to get you started building your family's life insurance protection. With reduced nonsmoker rates and a premium discount on coverage of $220,000 or more, the Plan is very affordable. Plus, the Plan's Accelerated Death Benefit can provide an insured member or spouse with money when needed most - by making a portion of their total life insurance benefit available while they are still alive.
First-to-Die Term Life Insurance Plan
The SPE Group First-to-Die Term Life Plan provides equal protection for both marriage partners-up to $500,000 each-for both you and your spouse. The benefit you select is paid out when the first of you loses your life. The First-to-Die Plan’s equal protection makes sense for married couples who want quality financial protection at a competitive price.
10-Year Level Premium Term Life
The SPE 10-Tear Level Term Life Insurance Plan can be a flexible, affordable way to provide life insurance for your family. Your premium rates will remain level for the first 10 years of coverage under the Plan, so you'll know exactly how much your coverage will cost for the initial 10 years.
High-Limit Accidental Death and Dismemberment Plan
The The SPE High-Limit Accidental and Dismemberment Plan can be an affordable way to help protect your family against the financial impact of a serious accident. And, as we all know, an accident can happen anywhere - at a stop light, in your kitchen, even in a supermarket. The only thing accidents have in common is that they're unexpected. But that doesn't mean you can't prepare for accidents. This Plan can provide you and your family with up to $500,000 in benefits for covered accidents - protection that could really come in handy.
Guaranteed Term Life
The SPE Guaranteed Term Life Insurance Plan provides coverage of $25,000, $15,000, or $10,000. Members ages 45-74 are eligible to apply. With no health questions asked and no medical exam required, this can be a hassle-free way to get the base protection you need or add to your existing coverage.
Disability Income Insurance Plan
The SPE Group Disability Income Plan works for you - when you can't go to work. Your ability to bring home a regular income is your most important asset. How would your family's lifestyle be affected if you suffered a disabling illness or injury, and you were unable to work? Without a continuing source of income, many families would have to tighten their belts, dip into savings, and perhaps even move to a more affordable home. The Disability Income Plan can provide up to $10,000 in benefits for covered disabilities, with your choice of waiting and benefit periods—benefits that can help keep your family living the lifestyle you want for them, even if you're unable to work.
Other Plans and Services
Cancer Expense Insurance Plan
There's exciting news in the war against cancer. Researchers are making tremendous progress in developing effective, long-term treatments for cancer—treatments that may control the disease, bringing hope to millions of people. Unfortunately, the cost of these long-term treatments can be substantial. That's where the SPE Cancer Expense Insurance Plan helps. It pays benefits subject to the specific benefit limitations set forth in the policy, regardless of any other insurance coverage you may have.
Dental Insurance Plan
The SPE Dental Insurance Plan was created to provide affordable dental benefits for you and qualified family members. Routine exams and preventive services are covered as soon as you receive your certificate.
In-Hospital Insurance Plan
The The SPE In-Hospital Insurance Plan can help pay for your out-of-pocket health care costs by providing you with up to $200 a day in benefits for every day you spend in the hospital.
Long Term Care Insurance Plan
The SPE Long Term Care Plan can be a valuable, affordable way to help protect you, your spouse, and your hard-earned savings in the event you need nursing home or in-home care someday.
Medicare Supplement Insurance Plan
The Medicare Supplement Insurance Plan offers members dependable coverage that will help pay the out-of-pocket health care expenses not covered by Medicare.
The Term Life, First-to Die Term Life, 10-Year Level Premium Term Life, High-Limit Accidental Death and Dismemberment and Disability Income Plans are underwritten by New York Life Insurance Company, 51 Madison Avenue, New York, NY 10010.
New York Life Insurance Company's state of domicile is New York and NAIC ID# is 66915.
The Broker of Record is:
1155 Eugenia Place
Carpinteria, CA 93013
Phone: (805) 566-9191
John Wigle, California Agent license number: 0482924. John Wigle, Arkansas Agent license number: 46424.