Bankers Cooperative Group

Supplemental Insurance

Life is unpredictable. Thankfully, you’re in Good Hands® with Allstate Benefits.

Allstate Benefits Supplemental Insurance

Disablity

Disability can be expensive – especially if you are unable to work and can’t collect a paycheck.

If you were disabled due to a sickness or injury and unable to work, would you be able to handle your daily bills without a paycheck? With this coverage from Allstate Benefits, you can help protect your hard-earned finances and get some financial help when you need it most.

Disability CoverageDisability coverage pays a cash benefit directly to you that can be used to help with your daily living expenses such as rent, groceries, child care, utilities and more. Monthly benefits are reduced if benefits from Social Security, Railroad Retirement, or other federal disability benefits are paid.

You never know what the future holds – but with Allstate Benefits, you’re in Good Hands®.
Please refer to the product brochure for a full disclosure of plan provisions, benefits, exclusions, limitations and more.
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Universal Life

We all know our lives will end. We just don’t know when.

Universal LifeWhat would your family do if you passed away? With Life insurance from Allstate Benefits, you can get the coverage you need today to help protect your loved ones during one of life’s most difficult times.

Our coverage pays a cash benefit that can be used as your beneficiary sees fit. It can help cover funeral expenses, medical expenses, debts and more. Simply put, your life insurance benefit gives your family peace of mind.

None of us know when we’ll pass away – but with Allstate Benefits, you know your family will be in Good Hands®.

Please refer to the product brochure for a full disclosure of plan provisions, benefits, exclusions, limitations and more.

The following insurance riders are available to you, adding more protection to your coverage.

Children’s Term

This pays a death benefit for each covered child who dies between the ages of 24 hours up until their 25th birthday.

Accelerated Death Benefit for Terminal Illness

This provides an advance of the death benefit, allowing you to use your insurance benefit for other purposes aside from a death benefit.

Future Purchase Option

Automatically increases the planned premium payment and specified amount of the certificate on each of the first, third or fifth rider anniversaries, continually giving your more coverage.

Continuation of Coverage During Strike Layoff

This waives monthly payment deductions during a covered strike or layoff for up to six months.

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Accident

Accidents happen. A missed step is all it takes.

If you had an accident, would you be prepared to pay the extra expenses related to your recovery? With Off-the-Job Accident coverage from Allstate Benefits, you can get the coverage you need today to help protect you from tomorrow’s unknown.

Our plan pays cash benefits to help you pay expenses such as copays and deductibles, or even rent and groceries. Plus, it works well with your major medical plan, helping close gaps in your coverage.

Accidents happen – but with Allstate Benefits, you’re in Good Hands®.

Please refer to the product brochure for a full disclosure of plan provisions, benefits, exclusions, limitations and more.
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Critical Illness

A critical illness diagnosis is worrisome – don’t worry about your finances too.

f you were diagnosed with a critical illness, would you be financially prepared? This coverage from Allstate Benefits helps you protect your hard-earned finances if diagnosed with a covered critical illness.

Our coverage pays you cash benefits when you have a covered heart attack, stroke, major organ transplant, coronary artery bypass surgery, Parkinson’s disease and more. And, it works well with your major medical plan, closing gaps in coverage.

You never know what the future holds – but with Allstate Benefits, you’re in Good Hands®.
Please refer to the product brochure for a full disclosure of plan provisions, benefits, exclusions, limitations and more.

The following insurance riders are available to you, adding more protection to your coverage.

Critical Illness Cancer Benefit

This pays a benefit when you are diagnosed with a new form or type of invasive cancer (includes Leukemia and Lymphoma).

Wellness Benefit

Critical IllnessThis pays a benefit each calendar year when you receive one of the following: Biopsy for skin cancer; blood test for triglycerides; Bone Marrow testing; CA15-3, CA125 and CEA (blood tests for breast, ovarian and colon cancer); chest x-ray; colonoscopy; Doppler screenings for carotids and peripheral vascular disease; echocardiogram; electrocardiogram (EKG); flexible sigmoidoscopy; hemocult stool analysis; HPV vaccination (Human Papillomavirus); lipid panel (total cholesterol count);mammography, including breast ultrasound; Pap smear, including ThinPrep Pap Test; PSA (blood test for prostate cancer); serum protein electrophoresis (test for myeloma); stress test on bike or treadmill; thermography; or ultrasound (screening for abdominal aortic aneurysms).

Supplemental Critical Illness Benefits II

Pays a benefit for the following: Advanced Alzheimer’s Disease diagnosis, Advanced Parkinson’s Disease diagnosis, benign brain tumor diagnosis, coma, complete blindness, complete loss of hearing, paralysis.

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Have questions? Contact us today to learn more.