Two Coverage Options

Additional, universal life insurance coverage

For new participants, get up to 2x annual base income
(up to $100,000) in universal life insurance coverage; eligible spouse/children may also participate (up to $20,000 for spouse, $10,000 for child)

Additional insurance coverage PLUS guaranteed cash accumulation

All the benefits of the additional life coverage, along with the ability to save extra money – at a guaranteed annual interest rate in a tax-deferred cash accumulation account

Insurance Cost Calculators

Use the calculators to find your monthly insurance cost. The amount of coverage will automatically increase as your annual base salary increases.

Additional Benefits Available

Download one-page flyer

Cash accumulation
Accidental death
Living benefits
Children portability

Enrollment Coverage

New Hire

Conditional Guaranteed Issue (CGI)

Employee:1 to 3 times annual pay up to $500,000
Spouse*: $10,000 to $20,000 if spouse is under 65 years of age

Simplified Issue

Spouse*:$21,000 to $50,000 if spouse is under 65 years of age

Medical Underwriting

Employee:3 1⁄2 to 6 times annual pay or $501,000 up to $1,500,000
Spouse*:$51,000 up to $100,000 or any amount if spouse is 65 years of age or older

Late Entrant

Medical Underwriting

Employee:1 to 6 1⁄2 times annual pay up to $1,500,000
Spouse*:Any coverage amount from $10,000 up to $100,000

* All spouse coverage outside of the flat $20,000 CGI may not exceed 2 times the employee’s annual pay up to a maximum of $100,000.
** Must be at least 14 days old and under the age of 26. Employee or spouse coverage must be effective before the child coverage rider can be provided.

Enrollment is easy! Log in and complete the process today.


View more questions

Who can enroll?

The 4Ever Universal Life insurance product is designed specifically for Blue Cross and/or Blue Shield Plan employees and their families.

You can enroll for coverage for yourself, your spouse*, and dependent children at any time, as long as you are an active employee, and the group policy is still in effect. Certain events allow you to apply for coverage with limited or no underwriting. These include:

  • Enroll yourself, your spouse*, and/or your children within 45 days of your initial eligibility date.
  • Enroll your new spouse* within 31 days of marriage/civil union or establishment of a domestic partnership.*
  • Enroll your newborn child within 45 days of birth or adoption (your child must be at least 14 days old).
  • If you apply at another time, you will be considered a late entrant. You will need to complete a statement of health form, undergo a paramedical exam, and receive underwriter approval for coverage to be effective.

*Spouse definition: means your spouse in a legally recognized union of two people. Spouse includes your civil union and domestic partner.

When would my coverage start?

Coverage is effective the first day of the month in which your first payroll deduction begins.

Do I have to meet any medical requirements?

Medical underwriting is waived during pre-defined enrollment periods, such as when you start a new job or during special open enrollment periods your Blue Cross and/or Blue Shield Plan may sponsor. You may be subject to medical underwriting outside of these pre-defined periods. Visit for more details.

Can I keep this insurance if I leave Blue Cross and/or Blue Shield?

Your 4Ever Universal Life policy is portable, meaning the coverage is yours even if you leave the company, as long as the group policy is in effect. You will be billed directly for your cost of coverage at portable rates. Any contributions you make to the cash accumulation account may also be included in this payment. Contact Mercer Voluntary Benefits customer service at 800.621.2358 to update your payment method.

How much can I contribute to the Cash Accumulation Account (CAA)?

The maximum amount of your contribution is based on IRS regulations that include both your age and the amount of life insurance coverage you elect. Contact Mercer Voluntary Benefits customer service at 800.621.2358 for the Cash Accumulation contribution amount.


For technical support, please contact:
Elizabeth Cherian, BCS Financial
Monday – Friday, 8:30 am – 4:30 pm (Central)