Life Insurance for Government Employees

Life Insurance Policy

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Government employees and their families can purchase Globe Life ESD’s Whole Life and/or Group Term Life insurance policies based on their needs. With a Globe Life ESD policy:

• You Own The Policy – coverage is portable if you change jobs or retire.
• Whole Life policy – paid up at age 65 or payable for life – both policies build cash value.
• Group Term Life policy – paid up at age 65 or paid for life based on issue age.
• Policies – can never be canceled as long as premiums are paid on time.
• Guarantee Issue¹ – Whole Life and Term Life policies are issued regardless of health, hobbies, or occupation.
• No Medical Exams¹ – Policy issue is based upon answers given to health questions provided on the application.
• Payroll Deduction – Premiums are payroll deducted by salary deduction authorizations for your convenience.
• Low Cost For Family Members² – Immediate family members can start the programs for as little as $1.50/week.
• Family Members Are Eligible – Coverage provides benefits for you, your spouse, children, grandchildren, or any combination.
• No Participation Needed – Insurance is written on an individual basis; coverage can be continued even if you change employment or retire.
• Get A FREE Globe Life ESD Assessment – of your federal government life insurance benefits from a Globe Life ESD licensed insurance agent to help determine which policy is right for you.

Our Ordinary Whole Life and Group Term Life insurance policy riders offer civil service employees and their families additional coverage and protection where eligible.

Available riders include:

• Deposit Fund Rider (DFR): offers the unique advantage of depositing funds into an account with a guaranteed 3% minimum interest rate for the life of an in-force policy. DFR is available on new life insurance policies that are on allotment or automatic bank draft. Policyholders can use cash from DFR for any reason.
• Accidental Death Benefit Rider: pays up to a set amount for accidental death of an employee or spouse; available with standard policy/certificate only.
• Children's Term Insurance Rider: (Term to age 25) pays up to a set amount to the beneficiary upon proof of an insured child’s death.
• Terminal Illness Accelerated Benefit Rider: pays 50% of benefit available prior to death, upon proof of terminal illness; available with standard policy/certificate only.
• Waiver of Premium Disability Rider: waives any premium due, upon proof of the insured’s total disability as defined by this rider; available with standard policy/certificate only.

*This is only a brief description of our life insurance certificates, policies and riders: ESDC, ESDC2, ESDGDC, ESDGDC2, ESDGCR, ESDGADR, ESDGWPR, ESDGABR, GDFR3, ESWL2001, ESWL2001GD, 17ESDIADR, 17ESDICR, 17FP-4162R, and 17GABR1. Forms and benefits may vary by state. Product availability may vary by state. These policies have some limitations and exclusions.

¹Those still actively employed are subject to certain limitation. Not available to individuals who are HIV positive or terminally ill. If an applicant has certain pre-existing medical conditions, the policy will be issued with graded benefits: initial policy benefit is 25%; second year is 50%; third year is 75%; fourth year and thereafter is 100%. Excess amounts of the guaranteed face amount are submitted to regular underwriting.

² Example family member weekly premium for $6,467 face amount Ordinary Life paid up at 65 issue age up to 14.

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