You are eligible to sign up for permanent life insurance within the first 30 days of employment or during an enrollment period.

Permanent Life Insurance is a cash-value insurance policy. You are eligible to get coverage for yourself, a spouse, or dependent(s). The permanent life policy offers guaranteed level premiums, cash values, and fixed death benefits. The permanent life option is yours to keep at the rates you are offered when your policy is accepted. 

While the City of Framingham offers you a basic amount even when you are retired, it may not be enough to cover funeral costs, and term insurance ends at some point. The permanent life option is yours for as long as you continue to pay premiums.

Rates are based on your age and sex. Once your policy is issued, your rates are to remain level.

When you get older and are in more need of insurance, you may not be medically capable of qualifying. The younger you sign up, the less the premium will cost.

Yes, Permanent Life Insurance also includes convenient payroll deductions.

Yes, this policy is portable (YOU OWN IT). You can take your policy with you at the same rate as when you were an employee.