{"id":469,"date":"2023-05-14T20:04:28","date_gmt":"2023-05-15T01:04:28","guid":{"rendered":"https:\/\/cfibenefits.wpengine.com\/?page_id=469"},"modified":"2026-02-27T06:53:09","modified_gmt":"2026-02-27T12:53:09","slug":"life-insurance","status":"publish","type":"page","link":"https:\/\/cftotalrewards.com\/ca\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"

[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|phone” admin_label=”header section” _builder_version=”4.21.0″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_direction=”112deg” background_color_gradient_stops=”#3fa9f5 1%|#3fa9f5 53%|rgba(255,255,255,0) 53%” background_color_gradient_overlays_image=”on” background_image=”https:\/\/cftotalrewards.com\/wp-content\/uploads\/2023\/05\/life-insurance-banner.jpg” custom_margin=”0px||0px||false|false” custom_padding=”3.5vw||3.5vw||true|false” custom_padding_tablet=”2vw||2vw||true|false” custom_padding_phone=”2vw||2vw||true|false” background_last_edited=”on|phone” use_background_color_gradient_tablet=”on” use_background_color_gradient_phone=”on” background_color_gradient_stops_tablet=”#3fa9f5 0%|#3fa9f5 60%|rgba(255,255,255,0) 60%” background_color_gradient_stops_phone=”#3fa9f5 0%|#3fa9f5 57%|rgba(255,255,255,0) 57%” background_position_tablet=”center_right” background_position_phone=”top_right” background_horizontal_offset_tablet=”7%” background_horizontal_offset_phone=”13%” background_vertical_offset_phone=”0%” global_colors_info=”{}”][et_pb_row column_structure=”1_2,1_2″ make_equal=”on” custom_padding_last_edited=”on|phone” _builder_version=”4.20.2″ _module_preset=”default” width_tablet=”” width_phone=”52%” width_last_edited=”on|phone” custom_margin=”0px||0px||false|false” custom_margin_tablet=”” custom_margin_phone=”|||2em|false|false” custom_margin_last_edited=”on|desktop” custom_padding=”0px||0px||false|false” custom_padding_tablet=”0px||||false|false” custom_padding_phone=”0px|||0px|false|false” custom_css_main_element=”align-items: center !important;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”align-items: center !important;” custom_css_main_element_phone=”align-items: center !important;”][et_pb_column type=”1_2″ _builder_version=”4.18.0″ _module_preset=”default” custom_css_main_element=”display: flex;||flex-direction: column;||justify-content: center;” global_colors_info=”{}” custom_css_main_element_last_edited=”on|desktop” custom_css_main_element_tablet=”display: flex;||flex-direction: column;||justify-content: center;” custom_css_main_element_phone=”display: flex;||flex-direction: column;||justify-content: center;”][et_pb_text content_tablet=”<\/p>\n

HEALTH SAVINGS
ACCOUNT (HSA)<\/h1>\n

” content_phone=”<\/p>\n

HEALTH SAVINGS
ACCOUNT (HSA)<\/h1>\n

” content_last_edited=”off|desktop” _builder_version=”4.20.2″ _module_preset=”0b50e57f-b832-49c7-98c9-cec37200d9c3″ header_font=”Montserrat|300|||||||” header_text_color=”#FFFFFF” header_font_size=”41px” header_letter_spacing=”0.5px” header_line_height=”1.2em” custom_margin=”5px||||false|false” custom_margin_tablet=”2em||-1.5em||false|false” custom_margin_phone=”||||false|false” custom_margin_last_edited=”on|tablet” custom_padding_tablet=”||||false|false” custom_padding_phone=”||||false|false” custom_padding_last_edited=”on|tablet” header_font_size_tablet=”36px” header_font_size_phone=”31px” header_font_size_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n

Life Insurance<\/h1>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.18.0″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ specialty=”on” custom_padding_last_edited=”on|phone” padding_top_2=”6px” padding_top_bottom_link_2=”false” padding_left_right_link_2=”false” _builder_version=”4.21.0″ _module_preset=”default” background_image=”https:\/\/cftotalrewards.com\/wp-content\/uploads\/2023\/03\/lower_tri-form_4.png” background_size=”custom” background_image_width=”31%” background_position=”bottom_right” custom_margin=”||||true” custom_padding=”35px||35px||false|false” custom_padding_tablet=”23px||0px||false|false” custom_padding_phone=”30px||||false|false” global_colors_info=”{}”][et_pb_column type=”2_3″ specialty_columns=”2″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_row_inner _builder_version=”4.20.2″ _module_preset=”default” custom_padding=”0px||0px||false|false” global_colors_info=”{}”][et_pb_column_inner saved_specialty_column_type=”2_3″ _builder_version=”4.20.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.21.0″ _module_preset=”b4352afb-c3cd-4ce1-9c36-6a63d7e54b82″ text_font=”Montserrat|300|||||||” text_text_color=”#015846″ text_font_size=”27px” text_line_height=”1.3em” link_font=”|800|||||||” border_width_bottom=”0px” border_color_bottom=”#DAD7CB” border_style_bottom=”solid” locked=”off” global_colors_info=”{}”]<\/p>\n

Protect your loved ones from the unexpected with life insurance.<\/p>\n

[\/et_pb_text][et_pb_text _builder_version=”4.27.6″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ custom_padding=”2px||0.5em||false|false” hover_enabled=”0″ locked=”off” global_colors_info=”{}” sticky_enabled=”0″]CF Industries offers life insurance coverage designed to provide financial protection for you and your loved ones. CF Industries provides Basic Life and Basic Accidental Death and Dismemberment (AD&D) coverage at no cost to you. You also have the option to purchase Voluntary Life Insurance for yourself and dependents for additional protection, as well as Voluntary AD&D for yourself or your family.<\/p>\n

Your life insurance coverage begins on your first day of employment. The options listed below are designed to work together to provide comprehensive protection.<\/p>\n

Basic Life, AD&D and Business Travel Accident (BTA) Insurance<\/h2>\n

CF Industries automatically provides you with this coverage which takes effect on your first day of employment. The Basic Life and AD&D coverage is equal to one time your annual base salary (rounded up to the next $1,000)*. The Company also provides Business Travel Accident Insurance coverage equal to two times your base salary if you die or are seriously injured while traveling for work.***[\/et_pb_text][et_pb_code disabled_on=”off|off|off” admin_label=”Life Insurance table” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”||10px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
<\/th>\n

<\/p>\n

Benefit Amount<\/th>\n

<\/p>\n

Cost<\/th>\n

<\/tr>\n

<\/thead>\n

<\/p>\n

Basic Life<\/strong><\/td>\n

<\/p>\n

2 times annual base salary up to $500,000*<\/td>\n

<\/p>\n

No cost to employee<\/td>\n

<\/tr>\n

<\/p>\n

Basic Accidental Death & Dismemberment (AD&D)***<\/strong><\/td>\n

<\/p>\n

2 times annual base salary up to $750,000*<\/td>\n

<\/p>\n

No cost to employee<\/td>\n

<\/tbody>\n

<\/table>\n

[\/et_pb_code][et_pb_text _builder_version=”4.27.5″ _module_preset=”8c6d1b2c-ca87-4458-9cd5-3a574a62b1a8″ custom_margin=”||2em||false|false” locked=”off” global_colors_info=”{}”]* Your Basic Life coverage amount is reduced to $25,000 once you reach age 70. <\/em>
\n***Coverage ends when you retire or reach age 70, whichever occurs first.<\/strong>[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ custom_padding=”2px||0.5em||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n

Voluntary Life Insurance**<\/h2>\n

You have the option to purchase additional life insurance for yourself and dependents:<\/p>\n

[\/et_pb_text][et_pb_code admin_label=”Life Insurance table” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”||10px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
<\/th>\n

<\/p>\n

Benefit Amount<\/th>\n

<\/p>\n

Maximum<\/th>\n

<\/p>\n

Cost<\/th>\n

<\/tr>\n

<\/thead>\n

<\/p>\n

Employee***<\/td>\n

<\/p>\n

Units of $25,000<\/td>\n

<\/p>\n

$500,000<\/td>\n

<\/p>\n

Based on age and smoking status<\/td>\n

<\/tr>\n

<\/p>\n

Spouse***<\/td>\n

<\/p>\n

Units of $25,000<\/td>\n

<\/p>\n

$500,000<\/td>\n

<\/p>\n

Based on age and smoking status<\/td>\n

<\/tr>\n

<\/p>\n

Child(ren)***<\/td>\n

<\/p>\n

Units of $10,000<\/td>\n

<\/p>\n

$40,000<\/td>\n

<\/p>\n

$2.50 per $10,000 of coverage<\/td>\n

<\/tr>\n

<\/tbody>\n

<\/table>\n

[\/et_pb_code][et_pb_text _builder_version=”4.27.5″ _module_preset=”8c6d1b2c-ca87-4458-9cd5-3a574a62b1a8″ custom_margin=”||2em||false|false” locked=”off” global_colors_info=”{}”]**All voluntary employee life or spouse life coverage is subject to evidence of insurability (EOI) also known as proof of good health.<\/strong>
\n***Coverage ends when you retire or reach age 70, whichever occurs first.<\/strong>[\/et_pb_text][et_pb_text _builder_version=”4.21.0″ _module_preset=”74830f7f-6ee4-427a-8099-eb52e409ee42″ custom_padding=”7px||0.5em||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n

Voluntary AD&D Insurance (Employee Plan and Family Plan)<\/h2>\n

You may also purchase Voluntary AD&D Insurance for yourself and dependents to provide you additional coverage:[\/et_pb_text][et_pb_code admin_label=”Life Insurance table” _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”||10px||false|false” locked=”off” global_colors_info=”{}”]<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
<\/th>\n

<\/p>\n

Benefit Amount<\/th>\n

<\/p>\n

Maximum<\/th>\n

<\/p>\n

Cost<\/th>\n

<\/tr>\n

<\/thead>\n

<\/p>\n

Employee Plan<\/th>\n

<\/tr>\n

<\/p>\n

Employee***<\/td>\n

<\/p>\n

Units of $10,000<\/td>\n

<\/p>\n

Combined $500,000<\/td>\n

<\/p>\n

$0.20 per $10,000 of coverage<\/td>\n

<\/tr>\n

<\/p>\n

Family Plan<\/th>\n

<\/tr>\n

<\/p>\n

Spouse Only***<\/td>\n

<\/p>\n

60% of employee amount<\/td>\n

<\/p>\n

N\/A<\/td>\n

<\/p>\n

$0.30 per $10,000 of coverage<\/td>\n

<\/tr>\n

<\/p>\n

Spouse and child(ren)***<\/td>\n

<\/p>\n

Spouse > 50% of employee amountChild(ren) > 15% of employee amount<\/td>\n

<\/p>\n

N\/A<\/td>\n

<\/p>\n

$0.30 per $10,000 of coverage<\/td>\n

<\/tr>\n

<\/p>\n

Child(ren) Only***<\/td>\n

<\/p>\n

20% of employee amount<\/td>\n

<\/p>\n

N\/A<\/td>\n

<\/p>\n

$0.30 per $10,000 of coverage<\/td>\n

<\/tr>\n

<\/tbody>\n

<\/table>\n

[\/et_pb_code][et_pb_text _builder_version=”4.27.5″ _module_preset=”8c6d1b2c-ca87-4458-9cd5-3a574a62b1a8″ custom_margin=”||2em||false|false” locked=”off” global_colors_info=”{}”]***Coverage ends when you retire or reach age 70, whichever occurs first.<\/strong>[\/et_pb_text][\/et_pb_column_inner][\/et_pb_row_inner][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.27.5″ _module_preset=”b2730c0e-8c33-4505-b6a9-5d28397b6c05″ locked=”off” global_colors_info=”{}”]<\/p>\n

Contact Information<\/h2>\n

Call<\/strong> <\/i><\/span>800-361-6212<\/strong><\/p>\n

Visit<\/strong> <\/i><\/span>www.sunlife.ca\/member<\/a><\/p>\n

Plan Program Number:<\/strong><\/span>50621<\/strong><\/p>\n

App<\/strong> <\/i><\/span>App Store<\/a>\u00a0| Google Play<\/a>[\/et_pb_text][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” header_2_line_height=”1.3em” custom_margin=”20px||0px||false|false” custom_padding=”||10px||false|false” global_colors_info=”{}” locked=”off”]<\/p>\n

Business Travel Accident***<\/h2>\n

Business Travel Accident Insurance coverage amounts are subject to age-based reductions. Your BTA coverage will decrease according to the percentages listed in the chart below.[\/et_pb_text][et_pb_code _builder_version=”4.27.5″ _module_preset=”default” custom_margin=”||-1px|||” global_colors_info=”{}” locked=”off”]<\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n <\/p>\n
Age <\/th>\n

<\/p>\n
% of Benefit Amount<\/center> <\/th>\n

<\/tr>\n

<\/p>\n

65 but less than 70<\/td>\n

<\/p>\n

65%<\/center><\/td>\n

<\/tr>\n

<\/p>\n

70 but less than 75<\/td>\n

<\/p>\n

45%<\/center><\/td>\n

<\/tr>\n

<\/p>\n

75 but less than 80<\/td>\n

<\/p>\n

30%<\/center><\/td>\n

<\/tr>\n

<\/p>\n

80 or over<\/td>\n

<\/p>\n

20%<\/center><\/td>\n

<\/tr>\n

<\/tbody>\n

<\/thead>\n

<\/table>\n

[\/et_pb_code][et_pb_text _builder_version=”4.27.5″ _module_preset=”default” global_colors_info=”{}” locked=”off”]<\/p>\n

***Coverage under the Business Travel Accident Policy does not include travel to countries considered to be a War Risk. This includes Afghanistan, Belarus, Egypt, Gaza, Iraq, Israel, Lebanon, Palestine, Pakistan, Russia, Sudan, Somalia, Syria, Ukraine, and the West Bank.<\/em><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

Life InsuranceProtect your loved ones from the unexpected with life insurance.CF Industries offers life insurance coverage designed to provide financial protection for you and your loved ones. CF Industries provides Basic Life and Basic Accidental Death and Dismemberment (AD&D) coverage at no cost to you. You also have the option to purchase Voluntary Life Insurance […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"dipi_cpt_category":[],"class_list":["post-469","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/pages\/469","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/comments?post=469"}],"version-history":[{"count":0,"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/pages\/469\/revisions"}],"wp:attachment":[{"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/media?parent=469"}],"wp:term":[{"taxonomy":"dipi_cpt_category","embeddable":true,"href":"https:\/\/cftotalrewards.com\/ca\/wp-json\/wp\/v2\/dipi_cpt_category?post=469"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}