Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Coverage overview
5Star life insurance
Review the brochure, policy conditions and coverage options with Premier Protection.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: 5Star Life Insurance Company, a Lincoln, Nebraska company
Included with the policy price
Quality of Life included for eligible adult coverage
The printed eligible adult rates include the Quality of Life Rider. It advances a portion of the death benefit monthly, up to 75% total, for the stated care needs.
Requires permanent inability to perform at least two of six daily activities without substantial assistance, or permanent severe cognitive impairment requiring substantial supervision. Unavailable at ages 66–70 and on children. This advances the death benefit.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: 5Star Life Insurance Company, a Lincoln, Nebraska company
Included with the policy price
Included terminal-illness benefit
The brochure includes a 30% lump-sum advance for a qualifying terminal condition.
The percentage is 25% in Connecticut and Michigan. Life expectancy must be less than 12 months, or 24 months in Illinois. This advances coverage; policy terms apply.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: 5Star Life Insurance Company, a Lincoln, Nebraska company
Included with the policy price
Included expedited beneficiary payment
The brochure describes expedited payment of 50% of coverage or $10,000, whichever is less.
The stated mailing period is within one business day of notification; death within the two-year contestability period or under investigation is excluded from this expedited provision. This is part of the death benefit, not an additional payout.
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: 5Star Life Insurance Company, a Lincoln, Nebraska company
Optional child coverage — additional premium
Child coverage / child rider election
Child term coverage is available for a separate biweekly premium.
| Coverage | Premium |
|---|---|
| $5,000 | $0.46 |
| $10,000 | $0.92 |
Financially dependent children of the employee or spouse, 14 days-19 years, 26 if full-time student
Eligibility, state availability, exclusions and policy terms apply. Read the benefit brochure before choosing coverage.
Premier Protection is an independent insurance agency. It is not affiliated with or endorsed by the U.S. government.
Insurer: 5Star Life Insurance Company, a Lincoln, Nebraska company
Coverage questions
Read these source-based explanations with the original policy terms. Eligibility and state availability still apply.
How do 5Star Qualified Issue and Simplified Issue differ?
The Statement of Insurability directs Qualified Issue applicants to answer questions I-III and Simplified Issue applicants to answer all questions. It has separate employee and spouse answers. Your agent will help identify the applicable issue path and coverage limits. Answer the original application questions for the issue path you choose.
Which 5Star ages exclude the Quality of Life rider?
The printed rate sheet excludes Quality of Life at ages 66-70, marked with a star. Quality of Life benefits are also unavailable for children. For eligible coverage, its acceleration is subject to the original permanent daily-activity or severe cognitive-impairment conditions and the 75% maximum.
What child coverage is shown in the 5Star package?
The listed schedule lists $5,000 for $0.46 or $10,000 for $0.92 biweekly. The brochure covers financially dependent children of the employee or spouse from 14 days through 19 years, or 26 if a full-time student. The original age and eligibility definitions apply.
What qualifications accompany 5Star terminal-illness acceleration?
The brochure describes 30% acceleration, or 25% in CT and MI, for the printed life-expectancy condition of less than 12 months, or 24 months in IL. These state and timing qualifications stay with the benefit description. The original policy and certificate determine eligibility.
What does 5Star say about coverage after leaving employment?
The listed brochure says coverage continues after employment terminates, with no loss of benefits or cost increase under that portability wording, after the first premium is paid. It says the insurer bills you directly. Confirm the applicable current certificate and payment requirements before relying on this provision.