Working Texas families in need of life insurancereceived free policiesin the middle of June for the amount of $50,000 per family. Presented by the LifeBridge program and in a joint effort by Dallas Area Habitat for Humanity, Massachusetts Mutual Life Insurance Co., and Spectrum Financial Group, policies were given to eligible parents and legal guardians at the Dallas Area Habitat for Humanity.

The 10-year term life insurance policies were given to these Dallas area families to help pay for education costs of children of the working.

Guidelines of the Program

There were a number of guidelines that determined eligibility of this program. Applicants were required to:

• Be between the ages of 19 and 42.
• Haveone or more dependent children under the age of 18.
• Be working full or part time with a total gross family income between $10,000 and $40,000 (recent pay stub/federal income tax return or tax statement was required).
• Be a permanent, legal resident of the United States and in good health (on-site medical screenings, blood and urine samples were required).

Becausethe program was offeringterm policies, the terms will be paid to beneficiaries if the policyholder is to die within a certain period of time; in this case, 10 years.

In total, it is estimated that a total of $1 billion in free coveragewill bedistributed nationwide through the LifeBridge program.

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Indiana Democratic Representative Joe Donnelly is pushing for higher life insurance benefits for veterans after deeming the current coverage amount inadequate. This may be because the current life insurancebenefit for disable veterans provided by the Service Disabled Veterans Insurance program is set at $10,000, which hasn't changed in at least58 years.

Instead, he would like to have the maximum coverage increased to $100,000 with the option for every disabled veteran to sign up for higher coverage even if they currently carry group insurance.

But that's not all the Rep. Donnelly is opting for:

• He wants veterans who are 100% service-disabled to be eligible for supplemental insurance to the tune of $50,000, instead of the current $20,000 supplemental coverage amount.
• He's hoping for age-based premiums, ranging from 19 cents to $8.16 per $1,000, to be revised so that it matches an updated mortality table, rather than the current one that bases coverage on the assumption that veterans will die at the age of 58. This adjustment, he feels, could cut costs for veterans.

Veterans groups have been complaining for years that the coverage just wasn't enough. Because of the outdated stats the S-DVI program uses, the coverage provided to disabled veterans hasn't been competitive with private insurers in many decades.

Donnelly hopes that the HR 2713 bill he introduced in June to the House Veterans' Affairs Committee will push Congress into action so that for the first timein many years veterans willnot have to look to private insurersfor coveragethat can pay for more than funeral and burial costs.

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