Maintaining Coverage After Employment
Life changes, including career transitions, shouldn't leave you without essential protection. Your 4As benefits include continuation provisions for both Life Insurance and Long-Term Disability coverage, allowing you to maintain this valuable protection even after your employment ends.
Coverage Conversion Options
When you leave your agency, you have the opportunity to convert your group coverage to individual policies directly with the insurance carrier:
- Life Insurance: Maintain coverage up to your current benefit amount
- Long-Term Disability: Continue protection up to $3,000 monthly benefit
These conversion options provide guaranteed coverage regardless of health status—an important consideration during career transitions when qualifying for new coverage might be challenging.
Important Considerations
To maintain this valuable protection:
- Premium payments become your direct responsibility
- Rates will be determined based on your age at conversion
- Completed forms must be submitted to the carrier within 31 days after your employment ends
This conversion privilege offers peace of mind during career transitions, ensuring that important financial protections remain in place while you navigate your next professional opportunity.
