Personal Life Insurance: Your Permanent Portable Policy
Church Benefits Board (CBB) is excited to announce a new employee-paid universal life insurance product being added to our benefits menu starting January 2026! This personal life insurance policy will provide our participants with multiple robust and well-rounded life insurance options.
This is an optional, employee-paid benefit and does not replace or reduce any employer-paid coverage, including your basic Life, Long-Term Disability (LTD), or Accidental Death & Dismemberment (AD&D) insurance provided by your employer.
Instead, this coverage is designed to complement your existing benefits, giving you and your family added protection and flexibility beyond what’s already provided at no cost to you.
Personal Life Insurance Policy Highlights
Employee-Paid
Your premium will be paid via a paycheck deduction through your current employer.
Permanent Policy
Earns cash value — kind of like a piggy bank that grows while you keep your coverage.
Portable
This policy moves with you wherever you go with no premium changes. If you were to leave your employer, a direct pay option will be available.
Guaranteed Issue
Age-based premiums. The employee is not subject to medical underwriting up to $200K in coverage.
Spouse and Dependents
For an additional premium, you have the option to add guaranteed coverage for your spouse and dependents.
When can I enroll?
Open enrollment for existing participants and churches within CBB will begin January 2, 2026 and ends February 27, 2026.
Coverage will be available on a monthly basis for new employees and new churches who are enrolling with CBB. If you are are a new employee and are interested in this product, please complete the interest form.
Who is eligible to enroll?
A participant must be actively employed as a W-2 employee and working an average of 20 hours or more per week to be eligible. The participant must be age 16 years through 80 years at the time of enrollment.
CBB serves ministers and staff members of churches that are affiliated with CBF, along with field personnel*. CBB is honored to serve a wide range of Protestant churches and non-profit organizations who share common religious ideals with CBF.
*This personal life insurance product is only available to US-based employees who are not serving internationally.
How do I enroll?
CBB is working with a dedicated team of enrollment specialists at Hilb Group. Appointments will take place in January and February 2026 during the initial open enrollment period.
Complete our interest form to schedule your appointment with a Hilb enrollment specialist.
December 9 @ 12pm ET
Join the CBB Team for our Learn @ Lunch webinar about Life Insurance. We’ll be joined by guest speakers Owen Smith with Hilb Group and Sean Keough with TransAmerica. If you can’t join this recording live, register to have the recording emailed to you afterwards.
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During open enrollment (Jan 2-Feb 27, 2026) for our new personal life insurance product, Hilb enrollment specialists will be reaching out by phone to Church Benefits Board participants. These calls are intended to answer questions, provide guidance, and help you explore your coverage options during the limited open enrollment period.
If you receive a call from a Hilb representative, know that it’s part of our trusted partnership to make your enrollment experience smooth and informative.