We’ve got you covered.
Individuals & families:
Individual insurance products that are competitively priced, transparent, support high-impact nonprofits, and advocate for the insurance industry to insure and invest in sustainable enterprises.
Businesses and nonprofits:
Employee benefit programs that balance design competitiveness, employee experience, and cost optimization.
Integration of environmental, social, governance, and sustainability into your employee benefits and other insurance programs.
Our transparent products will help you decide what type of insurance protection and savings is right for you. Our coverage calculator can then give you an idea of how much coverage you want, and you’ll put it all together when you speak with us.
At Bluestone, it all starts with protecting your family and your assets. Then, our Premiums with Purpose™ go beyond that to build community and protect the planet. Here’s how:
Insurance for changemakers
Your choices matter
Term Life Insurance
Term life insurance provides an income tax-free death benefit to your loved ones if you die during the coverage period. Your premiums remain the same throughout the level period you choose: 10, 15, 20, or 30 years.
Customize your coverage by choosing an amount that best fits your situation
Convert your term life policy to a universal life policy at any point during the conversion period – no matter the state of your health
Supplement your universal life policy with additional term life insurance
Apply with Accelerated Underwriting, a speedy approval process available to many term life customers between the ages of 18 and 50 for up to $1,000,000 of coverage
Protect the people, causes, and organizations you care about
Universal Life Insurance
Universal life insurance is a simple and powerful way to protect and save. Unlike term insurance that provides a death benefit for a set time period, universal life will cover you for as long as you pay the required premium.
Build tax-deferred cash value by optionally paying more than your monthly costs. With Bluestone Universal Life, your account value grows faster because we’ve eliminated a percentage of premium fees, known as load fees.
Access your policies cash value through a loan, withdrawal, or annuitization (convert your policy’s cash value to an income stream).
Protect the people, causes, and organizations you care about. See how our mission supports nonprofits working for good.
Learn how recent changes to an internal revenue code significantly benefit tax-deferred growth for universal life policies. Talk to us.
Disability Income Insurance
Disability income insurance provides a monthly cash benefit if you become totally disabled and unable to work due to illness or injury.
Select the benefit and elimination period that best fits your situation and budget
Receive 50% of your monthly benefit if you are partially disabled, but have returned to work part-time immediately following a period where you received total disability benefits
Protect your earning power
Annuities
Annuities are funded with a lump sum of money and grow tax-deferred. They can also be passed on to your heirs avoiding probate.
Bluestone offers:
Single-Premium Immediate Annuity (SPIA): Also known as an income annuity, a SPIA provides a guaranteed income stream for anywhere from five years to the rest of your life. After the initial premium payment, you can receive monthly income starting within one month.
Single-Premium Deferred Annuity (SPDA): After making your initial premium payment a SPDA allows you to accumulate money for retirement or other life events since your principal and interest grow tax-deferred until distribution.
Employee benefits
Group Health Insurance: Comprehensive health coverage for all the members of a business under the same contract. This coverage is also applicable to employees and their family members. Such plans provide similar insurance coverage and benefits to all the members of a group irrespective of their work experience, role, age, gender.
Group Life Insurance: A group life insurance policy offers life coverage protection to the group of employees which falls under a master contract policy. The employees are eligible to get the coverage without undergoing any pre-medical checkup or any such tedious process. It is a common employee benefit which is designed to offer financial benefit to the insured’s beneficiary, if they die while being the part of the organization.
Group Personal Accident: This plan offers financial protection to policyholders and their families against accidental injuries or death. This kind of policy is generally offered by the business or industrial establishments as accident policy coverage to their employees, workers and members.
Employee Benefits:
Medical Insurance
Dental Insurance
Vision Insurance
Critical Health Insurance
Life Insurance
Accidental Death Insurance
Disability Insurance
Retirement Plan
Employee Wellness
Change your future. Give us a call.
