Life Enrichment Program

Historically, the life insurance industry has sought to insure individuals that meet certain height and weight criteria, work in safe occupations, and have a good medical history. Today, more and more U.S. citizens do not fall into this group and may have difficulty obtaining coverage due to a current or past health condition, such as weight, diabetes, or blood pressure.

The good news is insurance carriers now have plans for those who have been declined coverage or have health considerations that make it difficult to obtain coverage. The Life Enrichment Program is designed to help address individual health concerns with individual term life or whole life insurance policies.

Rapid Decision Term, Fidelity Life Graded Death Benefit Term/Whole Life, Fidelity Life, Transamerica Final Expense, Transamerica Simplified Whole Life, Assurity Life*
Underwriter Fidelity Life, Rated A- Excellent by A.M. Best
Transamerica Occidental Life Ins. Co., Rated A+ Superior by A.M. Best
Assurity Life, Rated A- Excellent by A.M. Best
West Coast Life, Rated A+ Superior by A.M. Best
Eligible Age 1–80
Coverage Amount $5,000 to $10,000,000
Marketing Primarily direct mail and customer contact using a licensed agent to members who have been declined for simplified issue coverage or with special health considerations (weight, diabetes, blood pressure, etc.)
Underwriting Varies by carrier – simplified issue and full underwriting including medical or physical exams
Rates Based on individual consideration
Key Features Highly personalized individual services
*Plan benefits, features & coverage vary by carrier, are subject to product limitations, and may not be available in all states. Coverage is made available through Cuenca & Associates Insurance Agency, dba LifeHelp, CA License No. 044 9782. These products are offerings for insurance, are not an obligation of or guaranteed by the Credit Union, and are not insured by the NCUA. Available plans may change from time-to-time.