Conventional wisdom suggests the lower the risk, the lower the rate of return. Fortunately, the 4 Ever Life Group Universal Life program flips this logic upside down. Our program enhances life coverage by not only financially protecting families from the loss of a life, but by also offering cash accumulation interest rates returning a guaranteed minimum of 4%. When compared to bank CD rates, our cash accumulation feature is low-risk protection for your money with an enhanced rate of return. And the best part is, with 4 Ever Life rated “A-” by A.M. Best, you know your money is in safe hands. That's protection, enhanced.

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The 4 Ever Life Insurance Company Group Universal Life program provides affordable, flexible, and portable life insurance protection to Blue Cross and Blue Shield employees, their spouses, and children up to age 26. A game changer, the program offers an optional tax-deferred cash accumulation feature that boasts unmatched interest rates in comparison to traditional savings vehicles. In the end, the 4 Ever Life GUL program helps employees protect what matters most—their families and their financial security.

Competitive Rates

The 4 Ever Life GUL program offers an affordable way to create an estate that provides financial stability to survivors in the event of a death.

Cash Accumulation

Accumulate cash and earn tax-deferred interest at highly competitive rates.

  • Save cash through regular payroll deductions or periodic lump sum contributions
  • Choose whether to withdraw or borrow accumulated cash
  • Use accumulated cash at any time for any reason
  • Receive cash remaining in the account at death as part of the death benefit


Continue coverage beyond the termination of employment.

Accidental Death Benefit

Provide an increased death benefit when loss of life results from a covered accident.

Accelerated Death Benefit

Receive advance payment of up to 50% of the death benefit upon a terminally ill diagnosis with a prognosis of twelve months or less.

Child Conversion

Once your covered child reaches the age of 26, they will have 90 days to elect coverage up to a maximum of $50,000; and also have the opportunity to contribute to their own cash accumulation fund and enjoy the same attractive interest rates.

The 4 Ever Life Insurance Company Group Universal Life program is protection, enhanced. For more information, please call 888.923.4227.

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