Unlike GROUP life insurance, INDIVIDUAL life insurance generally requires the applicant to complete a medical questionnaire and physical evaluation. And the cost is heavily influenced by factors such as tobacco use, age, medical history, lifestyle, and physical build of the person applying.
The Health Benefits Trust has used the marketing power of our 30,000 Members to secure remarkably competitive life insurance options from highly-rated, dependable companies. Members can choose between affordable, easy to comprehend TERM Life Insurance, or the more versatile PERMANENT life insurance.