Long-Term Care

Trustmark Voluntary Universal LifeEvents® Insurance with Long-Term Care Benefit

Goodwin offers you an opportunity to purchase universal life insurance with a long-term care benefit through Trustmark. This unique coverage protects your loved ones by providing a higher death benefit during your working years, when your financial needs and responsibilities are the greatest.

It also includes a long-term care benefit that can help pay for health care services at any age. The benefit amount remains the same throughout your life. For details review the Trustmark brochure.

How Universal LifeEvents Insurance Works

If you have a $25,000 policy:

* Universal LifeEvents death benefit reduces to one-third at age 70 or the beginning of the 15th policy year, whichever occurs last. Issue age is 18-64.

How the Long-Term Care Benefit Works

You can collect 4% of your Universal LifeEvents death benefit per month for up to 25 months to help pay for long-term care services.

Flexible features available:

• If you collect a benefit for long-term care (LTC), your full death benefit is still available for your beneficiaries, as much as doubling your benefit.
• You can collect your LTC benefit for an extra 25 months, as much as tripling your benefit.

How Much Coverage Costs

Rates vary by age, smoking status, state, employer and features selected. The younger you are when you enroll, the greater the benefit you receive for the same premium. Once you have a policy, your rate will never increase due to age. Rates applicable to you will be shared when you are eligible to enroll.

Additional Advantages

• Keep your coverage at the same price and benefits if you change jobs or retire.
• Apply for coverage for family members: spouse, children and grandchildren.

Enrollment

The next open enrollment period ​will be held in January 2026 for eligible partners and employees hired after November 1, 2024.