Group Universal Life Insurance
Group Universal Life Insurance provides affordable, flexible, and portable life insurance protection for employees, spouses, and children under age 26 of Blue Cross and/or Blue Shield and their affiliated companies.
Adjust coverage as needed. Increase benefits for new family members. Reduce coverage as family members age. With the guaranteed minimum interest rate of 4.0%, you can use the cash accumulation feature to save for immediate needs or long term goals. And it’s yours, whether you leave the company or retire, as long as the group policy is still in effect.
Note: You and your dependents must meet eligibility requirements to qualify for guaranteed acceptance. This offer is not available if you, your spouse, or children were previously declined coverage under this plan.
Enrollment is easy!
Just follow these four steps:
Step 1: Learn
Helpful resources to learn more about Group Universal Life
Program Brochure
Provides an overview of the program and other information to guide you through the enrollment process.
Download PDF Here
Cost Calculation Worksheet
Determine coverage options and calculate monthly deductions and contributions.
Download PDF Here
Frequently Asked Questions
Find answers to commonly asked questions about the Group Universal Life program.
Download PDF Here
Video Library
Gain an in-depth understanding of the program features through these informative videos. Watch some or all of the topics — at your convenience.
Click on Videos Below
Step 2: Enroll
2. Save the Enrollment form to your computer
3. Use the fillable form fields to key in the requested information (handwritten applications can cause unnecessary delays and will be returned if illegible)
4. Use the resources on this site to complete the form
5. Print a hardcopy of the completed form
6. Sign and Date the completed form
Fax or mail the complete form to:
Mercer Health & Benefits Administration LLC
P.O. Box 9122
Des Moines, IA 50306-9122
Customer Service: 1-800-621-2358
Fax: 1-515-365-1520
Step 3: Confirm
• Confirmation of your enrollment status will be sent via standard US Mail
• You will be notified if additional information is needed
• Save the following important documents
◦ Certificate of Coverage
◦ Schedule of Benefits
• Verify the correct amount is deducted on your pay stub
Step 4: Manage
Once insured, please visit personal-plans.com
• View your coverage details and account information
• Access self-service features
• Find phone, fax, or email contact information for additional questions and assistance
About Us
4 Ever Life Insurance Company enhances protection with unique underwriting solutions nationwide for insurance companies, brokers, agents, administrators, employers, employees, and individuals. With over 60 years’ 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.
4 Ever is protection, enhanced.
About the Administrator
Mercer Health & Benefits Administration LLC, designs, implements, and manages insurance, risk management, and financial service programs for private clients and sponsoring entities. On behalf of their clients, Mercer Health & Benefits Administration LLC delivers vision, value, convenience, choice, and innovation to consumers worldwide. With continuous market sourcing and sophisticated, data-driven marketing strategies, Mercer Health & Benefits Administration LLC expands customer access and program utilization, delivering increased revenue opportunities, security, and asset protection to clients and consumers.
Contact Us
If you have any questions about the GUL product, how to complete the enrollment form, or any of the resources on this site, fill out the below form and a representative will be in contact with you.