This plan provides consistent financial support with a death benefit that remains unchanged as long as premiums are paid. Although the premiums for this option are higher, it offers several advantages:

• The death benefit does not decrease with age.
• It accumulates greater cash value over time.

By combining long-term care and death benefits, this plan ensures coverage for both extended care needs and final expenses.

This option focuses on maximizing financial support during your working years, when life insurance needs are often greatest. It provides a higher death benefit during that time. At age 70, the death benefit reduces to half of the greater of age 70 or the 15th policy anniversary.

With lower premiums compared to Option 1, this plan offers an affordable way to balance life insurance protection and long-term care coverage.

Trustmark’s portable Universal Life with Long Term Care provides coverage for both employees and their spouses in increments of $10,000, with a maximum of $300,000. Child coverage is available up to $35,000, depending on the child's age. Employees may choose either Universal Life or Universal LifeEvents, but not both. Spouse coverage is available without requiring employee coverage.

• Trustmark's permanent universal life options offer greater flexibility compared to traditional whole life insurance.
• With Trustmark’s policies, you can adjust both your premiums and death benefit at any time, while traditional whole life requires fixed premiums and full payment to keep the policy active.
• Premiums for traditional whole life are typically higher than those for Trustmark’s permanent universal life options.
• While traditional whole life offers higher guaranteed cash values, Trustmark’s permanent universal life options may have lower cash value guarantees.
• Trustmark’s permanent universal life options’ lower premiums allow you to purchase a higher death benefit for the same premium amount compared to traditional whole life.