Union Plus's Term-to-70 Life allows union customers to choose their level of protection. Customers receive up to 80% payout of their life insurance benefit if they suffer a terminal illness. Accidental Death Benefit is also provided. A spouse or a domestic partner is also eligible to apply and premiums are waived when the insured is terminally ill. The company pays full benefits for both, death by accident or illness anywhere in the world. This insurance cannot be terminated for any reason other than non-payment of premium or if customers reaches age 70, or if the group policy is no longer in effect.