SMART Local 830
Harrisburg, PA
  • Important Links
    SMART Disability Insurance for Rail Members
    SMART Legislative Action Center
    NS horse screen
    NS ERC Login
    NS Webmail Login
    NS Operations Web Portal
    BLET Agreements
    SMART Awards and Agreements
    Action Center

    New! SMART Legislative Action Center. Read about our issues and contact your legislators.
    Contact Elected Officials!
  • What UTUIA Offers
    Updated On: Aug 28, 2016


    Protect Your Family Protect Your Income Protect Your Future
    Whole Life Insurance
    • Level premiums
    • Level death benefit
    • Cash value accumulation
    • Spouse and children's rider with guaranteed conversion privlege
    • Single premium, 10- or 20-year pay, life paid-up at age 65 or lifetime payment plans
    • Terminal Condition Accelerated Death Bennefit Rider included*
    Term Life Insurance
    • Affordable low premiums
    • Can enhance whole life insurance
    • cover certain indebtness, such as home mortgage, credit card debt or college tuition
    • 10- 20- or 30-year term, term to age 75 or 75 and Annual Renewable Term
    • Guaranteed conversion privilege
    • Terminal Condition Accelerated Death Benefit Rider included*
    Gift of Life
    • Life insurance for your children
    • Term to age 23
    • Only $.40 monthly per $1,000 death benefit for the full term period
    • Automatic Conversion Privilege
    Disibility Income Replacement
    • On or off-the-job illness or injury
    • Up to $2,000 monthly, tax-free income
    • 6-,12- or, 18 month benefit available
    • Can never be canceled as long as premiums are paid
    Cancer Hospital Indemnity*
    • $300.00 per-day hospital confinement benefit after 90 days
    • $600 extended stay benefit after 90 days
    • $2,000 first diagnosis
    • $15,000 Bone marrow transplant
    • Home recovery and convalescent benefit
    • Family rider available
    Accident Indemnity*
    • On or off-the-job injury
    • Two benefit levels to choose from
    • Less than $1.00 a day
    • Emergency treatment
    • Hospital confinement (365 days per incident)
    • ICU confinement
    • Dislocations, eye injuries, coma, burns, lacerations, paralysis, skin grafts, fractures, and surgical procedures
    • Major Diagnostic Exams
    • Physical Therapy
    • Prostheses
    • Ambulance
    Accidental Death and Dismemberment
    • $20,000, $40,000 or $60,000 death benefit
    • $600 daily ICU benefit
    • Daily family lodging and meals
    • Family rider available
    Final Expense Whole Life
    • Guaranteed Level Premium
    • No physical exam
    • Builds cash value
    • Benefits never decrease
    • Designed for ages 50-80
    • Flexible premium annuity
    • Traditional and ROTH IRA's available
    • $25 minimum contribution


    *Certian restriction apply, see policy details.

    Protection you need

    The UTUIA is committed to providing you and your family with the protection they deserve at a price you can afford. Our insurance plans are flexible, affordable and can provide you with the peace of mind you deserve.

    Protect Your Family

    Your family depends on you to provide a comfortable, safe lifestyle. UTUIA is committed to providing options to fit every need and budget.

    Click on the links below to learn more about our products.

    New: Final Expense Life Insurance

    Accidental Death and Dismemberment

    Disability Income Replacement

    Cancer Hospital Indemnity

    Whole Life Insurance

    Term Life Insurance

    Child Life Insurance

    IRA’s / Annuities

  • SMART Local 830

    Copyright © 2022.
    All Rights Reserved.

    Powered By UnionActive

  • Top of Page image