About 4Ever Universal Life

Permanent, affordable, flexible, and portable life insurance protection until age 94 for employees and spouses, and children under age 26, of Blue Cross and/or Blue Shield and their affiliated companies. Covered children age 26 and over can covert to their own policy.

Learn about the important coverages and benefits, and begin enrollment process

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Review your policy, access your account, and get information on special circumstances

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Benefits of the Program

Lifelong protection

Permanent and portable, 4Ever Universal Life covers the duration of an employee’s life, so long as you pay your premiums and fulfill policy obligations. And you can take it with you if you change jobs!

Cash accumulation

4Ever Universal Life offers you the option to contribute into a special interest-bearing, tax deferred account. The money is yours to borrow or withdraw at any time, with no early withdrawal penalty or fees (minimum withdrawal is $200).


HR Support

Elizabeth Cherian, BCS Financial
Monday – Friday, 8:30 am – 4:30 pm (Central)

Member Support

Mercer Health & Benefits Administration LLC
(Choose “Life Insurance” phone menu option)
Monday – Friday, 8 am – 5 pm (Central)

About Your Underwriter
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.

About Your Administrator

Mercer delivers advice and technology-driven solutions that help organizations meet the health, wealth and career needs of a changing workforce. Mercer’s more than 23,000 employees are based in 44 countries and the firm operates in over 130 countries. Mercer is a wholly owned subsidiary of Marsh & McLennan Companies (NYSE: MMC), the leading global professional services firm in the areas of risk, strategy and people. With nearly 65,000 colleagues and annual revenue over $14 billion, through its market-leading companies including Marsh, Guy Carpenter and Oliver Wyman, Marsh & McLennan helps clients navigate an increasingly dynamic and complex environment. For more information, visit www.mercer.com. Follow Mercer on Twitter @Mercer.

Mercer Health & Benefits Administration LLC
In CA d/b/a Mercer Health & Benefits Insurance Services LLC
AR Insurance License #100102691
CA Insurance License #0G39709
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