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Boston Mutual Life Insurance Company

Permanent Life Insurance

WCA Services, Inc. has partnered with Boston Mutual Life Insurance Company (Boston Mutual) to offer the “Employee Life Option,” a permanent whole life insurance program.  The plan is now being serviced and enrolled by the Advantage Group, a local Wisconsin firm that has partnered with Boston Mutual that specializes in communication of the benefits available to all county employees.

While employers commonly offer term life insurance – which provides insurance coverage for a specific period of time in the event the insured dies prematurely – this program allows employers to offer permanent life insurance, which provides death protection no matter when death occurs. Less than 2 percent of policyholders ever collect benefits from term insurance, while 100% of insureds collect benefits from permanent life insurance.

The “Employee Life Option” through Boston Mutual provides public employers the opportunity to offer an insurance product to their employees and families at no additional cost to taxpayers. Many employees – especially those with preexisting conditions – are otherwise unable to obtain life insurance in the conventional market for their personal long-term and post-retirement needs. Boston Mutual has extended their underwriting offer to ALL of the Wisconsin counties and moving forward employees will also have access to accident, critical illness and disability plans.

All employees actively working 20 hours or more per week are eligible to receive coverage regardless of physical condition. The plan is also available to elected officials; employee’s spouses (who may be subject to medical underwriting), children and grandchildren, regardless of their past or present health problems. Employees can also cover a family member without covering themselves.

This interest sensitive, whole life product features level premiums, fixed death benefits and substantial minimum cash values, as well as cash accumulation at current interest rates. One of the most exciting features is the available catastrophic loss rider which provides a monthly payment in the event the policyholder is suffering from the loss of at least two diagnosed activities of daily living regardless of whether or not they are paying for outside care.

Coverage starts at just $2.00 per week. The plan is completely portable; premiums are guaranteed to never increase; and benefits are guaranteed never to decrease.

*Designed to provide general information only. Please refer to actual policy for specific definitions, underwriting qualifications and exclusions.

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