Voya Employee Benefits Resource Center

Midwest Coalition of Labor Trust, IUOE Local 119

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Group Term Life Insurance

Help protect your family’s financial future after you’re gone.

Group Term Life Insurance provides your beneficiaries with a payment they can use on anything they’d like if you pass away during a specific period of time (known as a “term”). For a complete description of benefits, exclusions and limitations, refer to your certificate of insurance and riders.

Your Group Term Life Insurance includes the following benefits:

Accelerated Death Benefit

If you are diagnosed with a terminal illness with a limited life expectancy, you may receive a portion of your death benefit while still living. Receipt of the accelerated benefit may be taxable, or may adversely affect your eligibility for Medicaid or other government benefits. You should consult your personal tax advisor to find out the impact of this benefit.

Accidental Death and Dismemberment (AD&D) Insurance

If you are severely injured or pass away due to a covered accident, you or your beneficiary will receive a separate benefit that can be used any way you choose.


You may convert your life insurance coverage to an individual Whole Life Insurance policy when you leave your employer or lost your eligibility for coverage under the employer’s group policy.

Additional services:
Funeral Planning, Will Prep, and Concierge Services

Group Name: Midwest Coalition of Labor Trust,
Group Number: 706965

Employees receive help making decisions about all funeral related issues and then have those plans put into action with services provided by Everest Funeral Concierge, an independent consumer advocate. Includes access to Will Prep, an online tool that allows users to create a variety of customized end-of-life legal documents. To learn more, click here

If you have questions or need immediate assistance please call 1‑800‑913‑8318.

Funeral Planning, Will Prep and Concierge Services provided by Everest Funeral Package, LLC, Houston, TX. Services and availability may vary by state.

Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.

We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through Voya Cares®.

Review this document for a complete overview of benefits

Certificate of Coverage and Riders

State Forms
Forms that provide additional information

State Mandated Forms

What is Basic Group Term Life Insurance?

Basic Group Term Life Insurance is offered through your employer and pays a benefit to your beneficiary if you pass away during a specific period of time or “term”. Your employer may offer Basic Group Term Life Insurance, which is usually the amount they provide at no cost to you. 

How can life insurance help?

Below are a few examples of how your life insurance benefit could be used (coverage amounts may vary)

  • Pay off any remaining medical bills, funeral costs and debts
  • Provide ongoing financial support to your family
  • Keep your family in your home by paying off the mortgage
  • Fund your children’s education

Can I purchase coverage for my spouse and child?

If offered, you may purchase coverage for your eligible spouse and children. Refer to your enrollment brochure to learn about eligibility and the available options.

Do I need to provide health information?

Depending on the amount of coverage you select or the offer to your group, you may need to provide evidence of insurability on yourself, your spouse and/or your children. When evidence of insurability is required, the insurance company will need to approve it before coverage becomes effective.

What is Supplemental Group Term Life Insurance?

You may also have the option to apply for additional or Supplemental Group Term Life Insurance as part of your benefits plan. Premium deductions for Supplemental Group Term Life Insurance are taken directly from your paycheck.

Exclusions and Limitations.
Supplemental Life Insurance coverages have a two-year suicide exclusion from the effective date of coverage or an increase in coverage.

This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Group Term Life Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy Form #LP00GP and Certificate Form #LP00GC.

Benefit Basics video
Real Life Example

Mark and Becky’s lives were busy with work, sports and three children. Mark was the breadwinner and Becky was a stay-at-home mom. Mark had been suffering from recurring headaches and was diagnosed with an inoperable brain tumor. Fortunately for their family, Mark had Group Term Life Insurance through his employer. When Mark passed away, Becky was able to use the life insurance benefit to pay for the remaining home mortgage and cover Mark’s funeral expenses. There was even enough money to support the family while she transitioned to being a single working parent.

Example Expenses

Total Life Insurance Proceeds $180,000
Funeral Expenses $8,000
Remaining Mortgage - $75,000
Remaining Benefit Amount $97,000

This is shown for illustrative purposes only. Actual results may vary. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

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