Whole Life Insurance

Voluntary Benefits Offered through Allstate Benefits


Beginning this year, employees can elect Whole Life Insurance with an Accelerated Death Benefit for Long Term Care. If you elect to enroll in this benefit, the premium is guaranteed for life and will be deducted from your paycheck on an after-tax basis. 

Whole Life Insurance from Allstate Benefits is a type of insurance coverage that provides you with a death benefit that accumulates cash value along the way. You can elect a benefit amount from $25,000 to $175,000. You can also purchase Whole Life Insurance coverage for your spouse from $10,000 to $75,000. When you purchase this coverage, it also includes an Accelerated Death Benefit for Long Term Care at no additional cost. This benefit pays 6% of your death benefit for up to 34 months of treatment for qualified long term care services and is paid in addition to your death benefit, providing you with an affordable option for Long Term Care coverage.

Long term care is an important option to consider as 70% of people over the age of 65 will require long term care and the average nursing home cost is more than $93,000 each year. Long term care often causes financial strain as nearly 50% of families are not prepared for the expense.

To Enroll in Whole Life Insurance with Long Term Care


  1. Visit https://allstate.benselect.com/ORNL
  2. At the Employee Login screen enter: (1) Your badge number without the leading zeros and (2) Your Personal Identification Number, or PIN.
  3. Your temporary PIN is a combination of the last four digits of your Badge Number and the full 4-digit year of your birth. Example: If the last four digits of your Badge Number are 3214 and you were born in 1968, your Temporary PIN would be 32141968.
  4. View the enrollment instructional brochure PDF.