Life Insurance Plans

Life Insurance

How much life insurance coverage does your family need? You do the math:

The following life insurance plans are available. For a quote or additional information, please contact us or an available PRCUA Sales Representative in your area. Please click on any of the products described below for more information.

Permanent Life Insurance

Traditional Whole Life; Single Premium Whole Life; 5, 10, 15, 20 Year, Limited Payment Whole Life; Simplified Issue Final Expense; Guaranteed Issue Graded Benefit Whole Life

Through January 31, 2018, take advantage of the 2017 PRCUA Christmas Life Insurance Special! Click here for more information.

For more information about Permanent Life Insurance, click here.
See below to apply.

Term Life Insurance

10, 15, 20, 30 Year Renewable Level Term and 10, 15, 20, 25, 30 Year Decreasing Term Mortgage

For more information about Term Life Insurance, click here.
See below to apply.


Riders ▼

The following Supplementary Benefit Options or Certificate Riders are currently available. These options may not be available on every Life Insurance plan that we offer. For pricing or additional information, please contact us or an available agent in your area.

Accidental Death Benefit (ADB)

This option provides for the payment of the face amount of the certificate (maximum of $100,000), in addition to the amount otherwise payable if the insured’s death results solely from injury caused by accidental bodily injuries and occurs within 90 days after the accident. The benefit expires on the certificate anniversary nearest age 65 or at the prior termination of the certificate. This option can be added to all permanent life insurance (except Membership Special) and renewable level term life insurance certificates only. Option issued from ages 10-55.

Waiver of Premium (WP)

This rider provides that if the insured becomes totally and permanently disabled, then future certificate premium will be waived provided that the following provisions are met:

That the disability occurs between ages 16 and the certificate anniversary nearest age 60 while the rider is in force; and

That the disability is total and continuous for six months before a claim can be filed, except for the loss of sight of both eyes, or the use of both hands or both feet or one hand and foot; and

That the disability is a result of disease or bodily injury, and is incapable of engaging in any occupation for which the insured has been trained, and is under the care of a licensed physician.

The Union may require the insured at any time or times to furnish due proof of continuance of such total disability and to submit to examination by a physician or physicians designated by it. Such examination shall not be required more than once a year after total disability has continued for 2 years.

This rider can be added to all permanent life insurance certificates (except Membership Special and Single Premium Whole Life certificates), ages 0 to 55, all renewable level term plans ages 16 to 55, all Mortgage Decreasing Term certificates (except Joint Term Life certificates), or riders ages 16 to appropriate maximum age depending upon term duration.

Guaranteed Insurability Option (GIO)

This rider provides the insured an option to purchase a specified amount of additional insurance on specified future dates, at standard rates and without evidence of insurability, on any Permanent Insurance Plan being issued by the Union. The sum insured of the new certificate must be at least the minimum we write for that plan.

Regular Option Dates are the certificate anniversaries of the basic certificate which are nearest the birthdays at ages 25, 28, 31, 34, 37, and 40.

Alternate Option Dates are also available: Date of marriage, date of first live child or date of first legally adopted child. If an Alternate option date is exercised then the NEXT Regular scheduled option date is automatically bypassed.

The sum insured of the new certificate (exercised option) should be the lesser of: The sum insured on the basic certificate, or the amount in table below – but in no case less than $2,000.

Issued Age of Original Certificate Number of Options Maximum Per Option
0 – 24 6 $10,000
25 – 27 5 $15,000
28 – 30 4 $20,000
31 – 33 3 $25,000
34 – 36 2 $25,000
37 1 $25,000

This rider is available for any permanent insurance plan except the Membership Special and Single Premium Whole Life plans. Issue Ages are 0 to 37.

Juvenile Payor Benefit (JPB)

This rider provides the waiver of premiums on a Juvenile certificate upon the Applicant’s death or total and permanent disability provided that the following provisions are met:

Applicant’s death occurs prior to insured’s certificate anniversary’s 25th birthday while certificate was in force; or

Applicant’s total and permanent disability prior to insured’s certificate anniversary’s 25th birthday or earlier before certificate anniversary nearest Applicant’s 60th birthday; and

That the disability is total and continuous for six months before a claim can be filed, except for the loss of sight of both eyes, or the use of both hands or both feet or one hand and one foot; and

That the disability is a result of disease or bodily injury, and is incapable of engaging in any occupation for which the insured has been trained, and is under the care of a licensed physician.

The Union may require the insured at any time or times to furnish due proof of continuance of such total disability and to submit to examination by physician or physicians designated by it. Such examination shall not be required more than once a year after total disability has continued for 2 years.

This rider is available for any juvenile permanent insurance plan (except the Membership Special and Single Premium Whole Life plans) with an insured issue age of 0-15 and the applicant ages of 20-55.

Life Insurance Application (101) (Express Form) ▼

If you are ready to purchase life insurance from the PRCUA , simply follow these steps:

Download the life insurance application which is applicable to the state that you currently reside in. These applications are provided in Adobe® Acrobat® format.

 Arkansas – Form EXP101-2016-AR
 California – Form EXP101-2016-CA
Florida – Form EXP101-2016-FL 
 Georgia – Form EXP101-2016-GA
 Illinois – Form EXP101-2016
 Indiana – Form EXP101-2016-IN
 Kansas – Form EXP101-2016-KS
Maryland – Form EXP101-2016-MD
Minnesota – Form EXP101-2007-MN
Missouri – Form EXP101-2007-MO
Nebraska – Form EXP101-2016-NE
New Jersey – Form EXP101-2016-NJ
New York – Form 101-2007-NY
Ohio – Form EXP101-2016-OH*
 Pennsylvania – Form EXP101-2016-PA
 Rhode Island – Form EXP101-2016-RI
 Texas – Form EXP101-2016-TX
Vermont – Form EXP101-2016-VT

All Other States (AZ, CT, DE, MI, NH, WI, WV) – Form EXP101-2016

 Sample Short Life Application

Method 1: Submit Electronically

Fill out the digital form in Adobe Acrobat, save and click here to upload.

NOTE: Payment for initial deposit is still required to be sent in via personal check to address below.

OR

Method 2: Print and Mail

Make your initial deposit check payable to PRCUA and mail the completed application to:

Screen Shot 2015-05-19 at 11.24.28 AMPolish Roman Catholic Union of America
984 N. Milwaukee Ave.
Chicago, IL 60642-4101

If you have any questions please contact us online or call 1-800-772-8632

 

Life Insurance Application (A1) (Long Form) ▼

If you are ready to purchase life insurance from the PRCUA , simply follow these steps:

Download the life insurance application which is applicable to the state that you currently reside in. These applications are provided in Adobe® Acrobat® format.

Florida – Form A-1-2007-FL
Illinois – Form A-1-2007-IL
Indiana – Form A-1-2007-IN
Kansas – Form A-1-2007-KS
Massachusetts – Form A-1-2007-MA
Maryland – Form A-1-2007-MD
Minnesota – Form A-1-2007-MN
Nebraska – Form A-1-2007-NE
New Jersey – Form A-1-2007-NJ
New York – Form A-1-2007-NY
Ohio – Form A-1-2007-OH
Vermont – Form A-1-2007-VT
Wisconsin – Form A-1-2007-WI
Connecticut – Form A-1-2007-CT
All Other States – Form A-1-2007

 Sample Long Life Application

Method 1: Submit Electronically

Fill out the digital form in Adobe Acrobat, save and click here to upload.

NOTE: Payment for initial deposit is still required to be sent in via personal check to address below.

OR

Method 2: Print and Mail

Make your initial deposit check payable to PRCUA and mail the completed application to:

Screen Shot 2015-05-19 at 11.24.28 AMPolish Roman Catholic Union of America
984 N. Milwaukee Ave.
Chicago, IL 60642-4101

If you have any questions please contact us online or call 1-800-772-8632

 

Graded Benefit Whole Life Insurance Application▼

If you are ready to purchase life insurance from the PRCUA , simply follow these steps:

Download the whole benefit life insurance application. This application is provided in Adobe® Acrobat® format.

GBWL-101-2014-IL (Graded Benefit Whole Life Insurance Application)

Method 1: Submit Electronically

Fill out the digital form in Adobe Acrobat, save and click here to upload.

NOTE: Payment for initial deposit is still required to be sent in via personal check to address below.

OR

Method 2: Print and Mail

Make your initial deposit check payable to PRCUA and mail the completed application to:

Screen Shot 2015-05-19 at 11.24.28 AMPolish Roman Catholic Union of America
984 N. Milwaukee Ave.
Chicago, IL 60642-4101

If you have any questions please contact us online or call 1-800-772-8632

 

Family Plus Insurance Special ▼

Family Plus Insurance Special

Dear Members and Friends,
A recent survey on the topic of life insurance indicated that 30% of US households have no individual or employer provided life insurance. Families with the greatest need for coverage – 11 million households with children younger than 18 – have no life insurance. The primary reason for this is that people are financially strapped.

Your PRCUA is providing an answer to this great family life insurance void by introducing a family plan with a 10% discount on premiums to all who qualify. The plan is easy to understand and is very affordable.

Family life insurance is not a luxury; it is a necessary and important financial need for all families.

Please review below for details and call one of our deputies, supervisors or the Home Office. You can also email us regarding this matter Life@prcua.org.

Please seriously consider your family’s life insurance coverage situation and explore the Family Plus program that will save you 10% per year!

Fraternally,

Joseph A. Drobot Jr.
National President

The Polish Roman Catholic Union of America is proud to offer a life insurance plan for the entire family – the FAMILY PLUS plan!

Any two (2) family members (or more) may apply for life insurance, for example: husband/wife and child(ren); single parent and child(ren), grandparent and grandchild(ren), siblings, aunt and niece, etc.

At least one individual must be an adult (16 years and over). If medically qualified, as long as 2 or more individuals are covered, you qualify as a family and are eligible to participate in FAMILY PLUS.

To qualify for the Family Plus plan, at least one of the certificates must be for a minimum $10,000 whole life certificate. Term life insurance may also be purchased – a $25,000 minimum of term life insurance applies.

Insured

Age

Class

Plan of Insurance

Monthly Premium

Male

35

Non-Tobacco

$25,000 Traditional Whole Life

$27.54

Female

35

Non-Tobacco

$25,000 Traditional Whole Life

$24.23

Son

10

Non-Tobacco

$10,000 Traditional Whole Life

$8.23

Daughter

10

Non-Tobacco

$10,000 Traditional Whole Life

$7.64

Total: $70,000 of life insurance

$67.64

Less 10% monthly Family Plan discount:

$6.76

Actual Monthly Cost:

$60.88

HOW MUCH DOES THE FAMILY PLUS LIFE INSURANCE SPECIAL COST?
The premium rates are calculated based upon the usual pricing guidelines for each individual, such as their gender, age, the life insurance plans chosen, etc.

When applying for the Family Plus plan, after the entire cost is determined for each individual covered, TEN PERCENT (10%) WILL BE DEDUCTED from the total premium THIS YEAR and EACH YEAR that you pay this premium in the future. Although the ACTUAL COST is based upon an annual premium payment, for your convenience, a monthly, quarterly, semi-annual or annual premium payment schedule can be arranged.

THIS IS A GREAT VALUE!

What a Wonderful Way to Show Those You Love, How Much you Care!

To find out how to take advantage of this fantastic offer, contact your local PRCUA Sales Representative or the Home Office Sales Department 1-800-772-8632 or (773) 782-2600.


* Important Availability Notice: PRCUA is duly licensed in the United States of America in the states of Arkansas, California, Connecticut, Delaware, Florida, Illinois, Indiana, Kansas, Maryland, Massachusetts, Michigan, Minnesota, Missouri, Nebraska, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Texas, Vermont, West Virginia, and Wisconsin. Annuity purchase is subject to PRCUA underwriting approval.

The life insurance applications and forms are in provided Adobe® Acrobat® format. If you need the free Adobe® Acrobat® Reader™, you can download it by clicking on the Get Acrobat® Reader™link.