Group Universal Life Insurance Coverage Exclusively for Blue Plans & Their Employees

September is Life Insurance Awareness Month, a time when families nationwide learn about the important role life insurance can play in protecting their financial futures. It can also be an opportunity for Blue Plans to consider how life solutions from BCS can help them extend additional financial protection to their employees, at no cost.

Group Universal Life (GUL), underwritten by 4 Ever Life Insurance Company*, is an affordable, flexible, and portable life insurance product exclusively for eligible employees of Blue Cross and/or Blue Shield companies and their affiliates. The GUL program supplements employer-provided life insurance, by providing additional life insurance coverage alongside an optional cash accumulation feature that pays 5% interest on funds deposited in the current year, and features:

  • Permanent, portable coverage up to 2x annual base salary (up to $100,000)
  • Savings vehicle that pays interest for cash accumulation funds
  • Waived medical underwriting – no physicals or blood tests needed
  • Available coverage for spouses and children under age 26

For four decades, thousands of Blue Plan employees have used the GUL insurance to provide financial security and an amazing savings vehicle to grow their financial nest egg in a tax deferred account.  For more information, contact Elizabeth Cherian, Manager, Service Partner Operations at BCS.


Group Universal Life, underwritten by 4 Ever Life Insurance Company and administered by Mercer Health & Benefits Administration LLC, is available exclusively to employees of Blue Cross and/or Blue Shield companies and their affiliates.

*4 Ever Life Insurance Company is an independent licensee of the Blue Cross Blue Shield Association. 4 Ever Life Insurance Company enhances protection with unique underwriting solutions nationwide for insurance companies, brokers, agents, administrators, employers, employees, and individuals.​ With over 70 years of experience in enhancing protection, 4 Ever Life is rated “A” (Excellent) by A.M. Best and licensed to provide health and life insurance solutions in all 50 states, the District of Columbia, and Puerto Rico.​