Helping Protect You and Your Family with These Insurance Benefits

Life Insurance 20 Year Level Term with Critical Care Condition Rider

Underwritten by Transamerica Life Insurance Company, Home Office: Cedar Rapids, Iowa

If Something Happens to You, Is Your Family Ready for Tomorrow?

There is no way to know what will happen tomorrow, but there is a way to help protect your family against the unexpected. Trans Select® 20 is Transamerica’s term life insurance product to meet life’s changes — today and tomorrow.

At the end of each term, the policy will automatically renew unless cancelled by the owner. The new premium rate, based on the attained age of the insured and the death benefit, will be presented. The premium change will occur on the group renewal date. Subsequent term periods are 20 years (depending on the product selected) or until the expiration date, if earlier.

Riders Included with Base Policy:

• Accelerated Death Benefit for Terminal Illness & Accelerated Death Benefit for Critical Care Condition -Accelerated Death Benefit for Critical Care Condition Rider (Rider Form Series CRCCVTVA) accelerates 25% of the life insurance death benefit if an insured person is diagniosed with a covered critical care condition (cancer, heart attack, major organ transplant surgery, renal failure, or stroke), after the 30-day waiting period.(click here to see full brochure)



Accident Insurance – 24-Hour On & Off-the-Job Insurance

Underwritten by Transamerica Life Insurance Company, Home Office: Cedar Rapids, Iowa

You and/or your family are insured 24 hours a day against accidents whether you are working as a rural letter carrier, at home, on vacation, playing sports, etc. Benefits are paid directly to you. A set dollar amount is paid for broken bones, dislocations, daily hospital expenses, lump sum hospital expenses and much more.
Partial Fee schedule: (click here to see full brochure)

• Accident Emergency Treatment Benefit– $100
• Major Diagnostic Examination Benefit– $160
• Accident Follow-up Treatment Benefit – $75 per visit
• Initial Accident Hospitalization Benefit – $2,400
• Accident Hospital Income Benefit – $200 per day


Short-Term Disability Income Insurance

Underwritten by Transamerica Life Insurance Company, Home Office: Cedar Rapids, Iowa

How long could you go without a paycheck?

If you run out of vacation or leave days, will you have enough savings to make it? Would you want to borrow money from family or friends while you’re getting well? Obtaining Social Security disability benefits can be challenging and time consuming. Now the NRLCA is making voluntary short-term disability income insurance available to you. You must satisfy the income requirements to qualify.

Benefit Period:
• 6 months or 12 months

Waiting Period:
• 14 days after a sickness or accident

Monthly Benefit:
• $800 monthly benefit – must work at least 20 hours per week
• $1,500 monthly benefit – must work at least 30 hours per week.
(click here to see full brochure)

Income verification at time of claim.


Am I eligible for the insurance products in the RCA Benefit Suite?

The eligibility requirements for the 20 Year Level Term Life Insurance, Short-Term Disability Income Insurance and Accident Advance Insurance through Transamerica Life Insurance Company, Cedar Rapids, IA are as follows: you must be an active member of the National Rural Letter Carriers’ Association, actively at work and able to perform all normal duties of your job. Please see policy specifics for dependent eligibility, if a dependent is currently disabled.