Personal Life Insurance: Your Permanent Portable Policy
Open Enrollment for existing Church Benefits Board (CBB) participants is now closed for the 2026 enrollment period. There will be another Open Enrollment period starting January 2027.
Coverage is available for new employees and new churches who are enrolling with CBB, there is a 30-day enrollment window to enroll in this benefit. If you were recently hired, please complete the Personal Life Insurance Interest Form to meet with an enrollment specialist.
The personal life insurance policy is an optional, employee-paid benefit and does not replace or reduce any employer-paid coverage, including your basic Life, Short-Term Disability (STD), 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.
A participant must be actively employed as a US-based 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.
*This personal life insurance product is only available to US-based employees who are not serving internationally.
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.
Personal Life Insurance Webinar Recording
Owen Smith, our partner insurance broker, talks through the benefits of the new personal life insurance product – a guaranteed issue policy that’s permanent and portable, adding protection and flexibility beyond an employer-paid policy.