!Employee Action Required: Click Here to apply or waive coverage for guarantee issue by 1/31/2025

Understand the Cost of Waiting

Use the calculator below to see how enrolling in a policy today will benefit you financially. The younger you are, the lower your premium will be, and while you are paying premiums for a longer period of time, you’re paying less in total premium.

Tobacco Status is based on a 12 Month Look Back for use of Cigarettes, Cigars, Smokeless Tobacco, and E-Cigarettes.

Select Your Age First

Monthly Premium*

$0

The Cost of Waiting

$0

Wait 10 years

Monthly Premium*

$0

The Cost of Waiting

$0

Not Available because maximum age is 70 to enroll

Wait 20 years

Monthly Premium*

$0

The Cost of Waiting

$0

Not Available because maximum age is 70 to enroll

Wait 30 years

Monthly Premium*

$0

The Cost of Waiting

$0

Not Available because maximum age is 70 to enroll