Whole Life Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company.

All employees who work at least 16 hours/wk.

Your cost is based on several factors including your age, tobacco usage, any special features you select, and the benefit amount you want. To get a free, no-obligation online quote, click "Enroll Now".

Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply. 

The effective date of coverage is the date you are eligible to begin filing claims.

• Your coverage becomes effective on January 1, following the election of coverage. Coverage for your spouse and/or children becomes effective on the same date as your coverage.

You can cancel your coverage at any time by contacting Voya at 1-800-537-5024. The cancellation would become effective as of the date of the request and you would not be able to enroll until a subsequent annual enrollment. Your first or second paycheck after the cancellation is processed will reflect the change and a refund should be issued by Voya within 30 days of the date the cancellation is processed, if applicable.

No, all available benefit levels are guaranteed issue so no health questions are required.

None of us likes to think about these things, but it’s important that you can also tap into your life insurance death benefit early if you’re ever diagnosed with a terminal illness. That benefit could really help you and your family during a difficult time. An advance payment of your life insurance benefits is available if you are diagnosed with a terminal illness with a life expectancy of 12 months or less.

 

You can request payment up to 50% percent of your benefit amount, up to a maximum of $150,000. Advance payment permanently reduces the death benefit. Premiums must continue to be paid on the remaining benefit amount after an advanced payment.

No, you can keep this policy for your lifetime as long as you continue to pay the premiums. All coverage under this policy will terminate when any of the following occurs:

• The insured requests to terminate the policy
• The insured dies
• The policy matures
• The loan value exceeds the guaranteed cash value of the policy

1. Visit the Voya.com/claims and click on "Get Started".
2. Complete the questionnaire.
   This generates a custom claim form package for you.
3. Download your claim form package.
4. Complete the form package.
   Have each form completed by the appropriate party, as outlined in the claim form package.
5. Gather additional documents.
   Collect any additional supporting documents, as instructed on the claim form "for you".
6. Submit.
   Using your preferred submission method, submit your completed and signed forms, as well as any supporting documents.
   • To submit online via a secure upload, visit Voya.com/claims and click on "Upload Documents".
   • To mail or fax your submission, see the top of your custom claims form package.