Life Insurance

Life insurance gives you the peace of mind you get from knowing that you’ve protected your loved ones.  In the event of your passing, life insurance provides money directly to your beneficiaries.  They can use the money for whatever they want, such as:

  • Make up for your lost income
  • Fund your child’s education
  • Paying off household debt
  • Paying for your funeral and other related expenses

Term Life Insurance features temporary, cost-effective coverage with the opportunity to change should your needs change, and presents an affordable way:

  • To get maximum coverage
  • To cover specific financial responsibilities like a mortgage or college expenses

To determine how much life insurance you should have, refer to the Life and Health Insurance Foundation insurance calculator (here) or review one of life insurance calculators on our website (here).

We offer term life insurance in addition to voluntary accidental death and dismemberment insurance. Please use the links below to find the information you need.   Refer to the plan certificate for the most complete information.

Insurance product provided via: MetLife

 


 

Basic Life

Offered to PCA pastors and lay church employees working for PCA churches.  Enrollment is required in order to participate in any other PCA life insurance product.  The coverage provides a death benefit for active employees and includes an equal Accidental Death & Dismemberment benefit.  You may view the PCA Insurance Plan Brochure for more information.


 

Standard Life Insurance

Offered to PCA pastors and lay church employees enrolled in Basic Life.  The coverage provides a descending benefit amount (based on age) and terminates at retirement.  See the PCA Insurance Plan Brochure for more information.


 

Enhanced Life & Dependent Life Insurance

Offered to PCA pastors and lay church employees enrolled in Basic Life.  The rates and coverage vary based on age and amounts selected.  The employee must elect Enhanced Life Coverage in order to access Dependent Life coverage for spouse or child.  See the PCA Insurance Plan Brochure for Enhanced Life or Dependent Life for more information.


 

Will Preparation Service with Enhanced Life Insurance Coverage

Like life insurance, a carefully prepared will is an important part of the financial planning process.  Your will is an important legal document that determines who controls your estate after your death.  With a will, you can define your most important wishes, including who will care for your children or inherit your property.  Having a will can also minimize probate expenses that can result when a person dies without a will.  By enrolling for Enhanced Life coverage, you will have access to a participating plan attorney who will prepare or update you or your spouse’s will at no additional cost to you.  Click here for more information.


 

Voluntary Accidental Death & Dismemberment Insurance

It is hard to believe that you would ever have an accident and become injured or die as a result.  But accidents can and do happen.  Voluntary Accidental Death & Dismemberment (VAD&D) coverage complements your Enhanced Life coverage by providing added security.  It pays benefits in the event of death due to accident, but also pays in the event of a covered disabling injury.  The proceeds from the VAD&D coverage can help replace lost income and lessen the impact of costs associated with serious injuries, including medical bills, physical therapy, psychological counseling, safety upgrades to a home or car, and more.  See the PCA Insurance Plan Brochure for more information.

You may elect coverage in multiples of $10,000 up to a maximum of $500,000 for yourself, your spouse and eligible child(ren).  This insurance provides an added layer of protection in the event of an accidental death or injury.

Spouse & Child Coverage

  • Spouse – 40% of your coverage
  • Child(ren) – 10% of your coverage

Spouse Only

  • Spouse – 50% of your coverage

Child(ren) only

    • Child(ren) – 15% of your coverage


 

Travel Assistance Services with VAD&D Coverage

Would you know whom to call if you needed help while traveling? When you enroll for VAD&D coverage, you’ll also have access to Travel Assistance Services which will give you extra peace of mind whenever you travel. This service offers you and your dependents medical, travel, legal and financial assistance services 24 hours a day, 365 days a year, while traveling more than 100 miles away from home.

See the brochure or rate sheet to review further information.  Other provisions apply.  The plan policy and certificate supersedes any information published on this website.

Enrollment

To provide benefits, the employer (church, school, organization, etc.) must complete an Insurance Adoption Agreement for the organization and an Enrollment Request Form for each employee covered by the benefit. Each employee will then receive a link to the PCA RBI benefits enrollment portal (SmartBen) to complete the plan enrollment.

Minimum Participation

In order to be eligible for group coverage, the employer must also have a minimum number of employees who will be covered.  This helps ensure an adequate spread of risk across the insured group.  The minimum number of lives required for a “group” varies by product options.  Contact RBI at insurance@pcanet.org or 1-800-789-8765 for more details.

Other provisions apply. The policy certificate supersedes any information published on this website. Select the Insurance Brochure for a more robust summary, rate sheet for current pricing or review the policy certificate for details (certificates are available through the SmartBen web portal or by contacting RBI).