Pearl Carroll & Associates, LLC

Group Insurance Programs
Pearl Carroll has been CSEA’s exclusively endorsed provider of voluntary insurance programs for over 75 years. These plans were designed specifically to help protect our Members and their families. Call 1-877-847—732 to speak with an insurance representative or visit http://www.pearlcarroll.com/CSEA/.

Term Life Insurance
There are two Term Life plans available:
Basic and Premier. This gives you options so that you can find the coverage you need at a price you can afford. Members can apply for up to $250,000 in coverage, spouses up to $150,000, and a dependant children up to $10,000. Rates for Term Life insurance are based on five year age bands; so your premium is determined by your age.
You can pay Term Life premiums bi-weekly using convenient Payroll Deduction. Also, new Members who apply within 180 days of joining CSEA are eligible to enroll for up to $50,000 in coverage without answering any medical questions.

Disability Insurance
Disability Insurance provides monthly benefits if you are unable to work due to a disabling sickness or accident. In short, it provides protection for your paycheck; one of your most valuable assets. Get up to $1,200 in monthly benefits without answering any medical questions.

Whole Life Insurance
Whole Life Insurance is different from Term Life because it builds cash value over time. Also, your premiums stay level and wont change as you get older. Up to $100,000 in coverage is available for Members with spouses, and $20,000 for dependent children.

Universal Life Insurance
Universal Life Insurance is similar to Whole Life because it builds cash value over time. The key difference is that Universal Life is a flexible plan; meaning you can adjust both your premium payments and your amount of coverage. Members can apply for up to $500,000. Spouse and dependant coverage is also available.

Critical Illness Insurance
Critical Illness Insurance pays benefits in a lump sum of cash to help offset the unexpected costs of dealing with a serious illness. It covers 5 major illnesses: cancer, heart attack, stroke, kidney (renel) failure, and any condition requiring a major organ transplant. Coverage is available Simplified Issue; which means you can enroll with very limited health questions asked. Spouse and dependant coverage is also available.

Hospital and Home Care Recovery
This plan is designed to provide extra money to help cover the cost of a hospital stay and the home recovery afterwards. Benefits are paid in addition to any other insurance you have. Members under the age 75 and their spouses are eligible to enroll with no health questions asked.

Auto, Home and Renters Insurance
Members also have access to a convenient ratings service for Auto and Home insurance (called Personal Lines insurance). Quickly get quotes from 10 different insurance companies at once. For more details call 1-800-574-0963 or visit http://www.pcaquote.com.