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Trustmark Life + Care: Take charge of tomorrow

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Trustmark’s newly-enhanced permanent term life solution

Amidst a rising need for long-term care*, the future can seem uncertain. Now, it no longer has to.

Trustmark Life + Care is a permanent term life insurance product designed to let you take charge of tomorrow. Easy to administer and offering flexible care benefits that can cover family caregiving – we listened to customers to design a solution with the innovation, flexibility and simplicity you asked for.

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Trustmark&rsquo;s newly-enhanced<b>&nbsp;</b>permanent term life solution

New feature: 7702B(b) qualified long-term care

Our broker partners have spoken and we've heard you. To offer even greater flexibility and to make sure you have a solution for any situation, Turstmark Life + Care can now be offered as 7702B(b) qualified long-term care. 
  • No changes to care benefits, features, or product and rating structure
  • You can still offer care benefits as Chronic Care—you have the freedom to choose what's appropriate for your group
  • We have a solution with both Restoration & Extension available in every state (excluding NY)
State availability as of 4/11/2024:

Available for cases with effective dates of 4/1/2024 and later in:
AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IL, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, WV, WY


Available for cases with effective dates of 5/1/2024 and later in:
CT, KY, MO, WA, WI

Available for cases with effective dates of 7/1/2024 and later in:
TX, SC

Value that adds up: Life + Care...

Compatibility

An easy-to-administer solution with no more barriers to care.

  • Built to be compatible with the ben admin system you want to use
  • No long-term care licensing required for chronic care
  • Term life insurance is simple and straightforward for employees to understand
Certainty

Certainty for you, your clients, and employees.

  • Guaranteed issue
  • Guaranteed benefits
  • Guaranteed premiums
  • Portable coverage
 
 
Choice

Flexibility to choose who provides care, for how long and how benefits are received.

  • Benefits available for both family and professional caregiving, with the ability to switch between the two
  • ​Care benefits can be offered to employees as either Chronic Care benefits or as 7702B(b) qualified long-term care benefits**
Customization

Options for valuable coverage where employees need it most.

  • Death benefit reduction – Reduces at age 70 to fit employee needs and control costs
  • Death benefit restoration – Restores the benefit that is reduced to pay for care
  • Extension of benefits – Doubles the care benefits

Care that matches employees needs

Take this scenario: Sarah had a car accident that left her needing care. She had a home health aide for 6 months, then her spouse was able to help provide care for an additional 6 months while she finished recovering. With Trustmark Life + Care, Sarah can receive benefits for both professional and family caregiving - a feature not typically available with other carriers. 

Plan Design
Plan Design
*Care benefits have a 90-day elimination period.

New feature: 7702B(b) qualified long-term care

Our broker partners have spoken and we've heard you. To offer even greater flexibility and to make sure you have a solution for any situation, Turstmark Life + Care can now be offered as 7702B(b) qualified long-term care. 
  • No changes to care benefits, features, or product and rating structure
  • You can still offer care benefits as Chronic Care—you have the freedom to choose what's appropriate for your group
  • We have a solution with both Restoration & Extension available in every state (excluding NY)
State availability as of 4/11/2024:

Available for cases with effective dates of 4/1/2024 and later in:
AK, AL, AR, AZ, CA, DE, FL, GA, IA, ID, IL, LA, MA, MD, ME, MI, MO, MS, NC, ND, NE, NH, NJ, NM, NV, OH, OK, PA, RI, SD, TN, WV, WY


Available for cases with effective dates of 5/1/2024 and later in:
CT, KY, MO, WA, WI

Available for cases with effective dates of 7/1/2024 and later in:
TX, SC

*Availability may vary by state
**This rider is intended to be a qualified long-term care insurance contract under Section 7702B(b) of the Internal Revenue Code.
Benefits, definitions, exclusions and limitations and form numbers may vary by state. Trustmark® is a registered trademark of Trustmark Insurance Company. Trustmark Life + CareTM is a trademark of Trustmark Insurance Company. Products underwritten by Trustmark Insurance Company. Rated A- (Excellent) for financial strength by A.M. Best.