Simplified Life Insurance

Special Opportunity: Life Insurance Coverage for You and Your Family

If current times have taught us anything, it’s that life can be short and can end unexpectedly.

The best thing we can do to protect ourselves and those who depend on us is to prepare and plan ahead.

The Insurance and Benefits Trust of PORAC is rolling out a special opportunity for active members under the age of 65; to apply for 10 Year Group Level Term life insurance coverage by as much as $200,000 on a “Simplified Issue” basis. During this offering you can apply for the following amounts based on your age:

Under Age 40 $200,00
Age 40-49 $100,00
Age 50-59 $50,000
Age 60-65 $25,000

Rates are affordable! As an example: A 35-year-old (non-tobacco user) applies for $200,000 of 10 Year Group Level Term life insurance coverage. The cost is only $9.20 per month.*

The Trust is also making available to you Accidental Death Coverage in the amount of your life insurance, as well as $10,000 of Dependent Family Life Insurance coverage on your spouse/domestic partner and child(ren).

Applying is easy! Simply click-on the link below to apply online for the “Simplified Issue” life insurance offering. In most cases all you need to do to qualify is answer an abbreviated set of 3 health questions satisfactorily to the insurer. This means no blood work, no multi-page health questionnaire, and no physical exam. Based upon some applicants responses to the health questions, additional underwriting may be necessary.

Please note: This offer is intended for new applicants that have not previously enrolled in past Simplified Issue offerings through the IBT of PORAC

The Insurance and Benefits Trust of PORAC is happy to offer this opportunity to you…it’s one you should consider taking advantage of to ensure your family’s future financial security.

Apply Now!

If after applying for the ‘Simplified Issue” life insurance coverage you are still interested in higher levels of additional coverage, please contact Myers-Stevens & Toohey: via email at or via phone at (800) 827-4695.

*Rates shown are as of December 1, 2021.

Group Term Life Insurance is underwritten by ReliaStar Life Insurance Company.
Policy form LP00GP