Group Term Life Voluntary Group Term Life Insurance

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "Group Term Life Voluntary Group Term Life Insurance"

Transcription

1 Group Term Life Consumer Brochure CGT101C-A-0707 Underwritten by: Transamerica Life Insurance Company Group Term Life Voluntary Group Term Life Insurance

2 Group Term Life Voluntary Group Term Life Insurance If you are eligible, Voluntary Group Term Life Insurance is available to you (the employee), your eligible spouse*, and your eligible dependent children. This insurance option provides pure life insurance protection. It is an ideal way to help provide financial protection during your working years. * Spouse or equivalent as defined by governing state law. Form Series 9G or CP and 9G or CC is underwritten by Transamerica Life Insurance Company, Home Office, Cedar Rapids, IA. Forms may vary and coverage may not be available in all jurisdictions. The features, benefits, and premiums shown in this sales literature generally apply to groups of less than 500 employees. Features and benefits described may not be available in all jurisdictions. This brochure is a brief summary of coverage refer to the Group Master Policy or Certificate for complete details.

3 Group Term Life Insurance Benefits Employee Coverage Your elected Group Term Life Insurance amount must be in $10,000 increments. The elected amount may not exceed the lesser of $150,000 or five times your annual base salary (excluding bonuses or commissions). You must participate in the plan in order for your spouse and dependent children to be eligible for coverage. Spouse Coverage If you participate in the Group Term Life Insurance plan and your spouse meets the eligibility requirements, you may elect between $5,000 and $50,000 of Life Insurance coverage in increments of $5,000. Spouse coverage may not exceed 50% of your approved coverage amount. Dependent Child Coverage You may select $5,000 or $10,000 of life insurance for your eligible dependent children. In all jurisdictions, dependent coverage may not exceed 50% of your approved coverage amount. The benefit amount applicable to each child between the ages of 15 days and six months will be limited to 10% of the selected amount. The benefit amount automatically increases to $5,000 or $10,000 after six months of age. One premium amount per month covers all of your dependent children. You must participate in order for your dependent children to be eligible for coverage. Benefit Reduction Schedule Coverage on any Insured (other than an insured dependent child) will be automatically reduced when that Insured reaches the age stated below: Age Coverage reduced to 65% of the pre-age 65 amount Age Coverage reduced to 50% of the pre-age 65 amount Age Coverage reduced to 25% of the pre-age 65 amount Age Coverage amount will be the lesser of $5,000 or the amount at age 75 Highlights and Features Waiver of Premium Rider (Rider Form Series CR or 9G ) If elected by the employer and included with your contract, this Rider waives the premium for you, your spouse, and your eligible dependent children if you (the employee) are insured and are totally disabled for at least six consecutive months. Your total disability must occur while coverage is in force and prior to age 60. During the six-month waiting period, premiums for all coverage must be paid. Limitations and exclusions apply. Refer to the contract for details. Terminal Illness Accelerated Death Benefit Option Rider (Rider Form Series CR or 9-G ) The Living Benefit for Terminal Illness is an accelerated death benefit that allows individuals to tap into life insurance proceeds early. In general, you can receive up to 50% of the applicable Voluntary Group Term Life Insurance death benefit amount in the event of an Insured s future diagnosis of a terminal illness. The maximum benefit payable under this option is $75,000. The balance of the coverage will be paid to the named beneficiary following the death of the Insured. Limitations and exclusions apply. Refer to the contract for details.

4 Highlights and Features (continued) Continuation of Coverage Option Rider (Rider Form Series CR or 9G ) If your employment terminates for any reason or an insured person becomes ineligible, you and your insured family members may be able to continue your Voluntary Group Term Life Insurance coverage on a direct payment basis at the same rates as long as the Group Master Policy remains in effect and your employer continues to be a group participant under this insurance program. If you elect this option, you will be billed on a semi-annual basis. A fee per billing will apply, and your premium cost is subject to change. You must sign an application for continuation and make the first premium payment within 31 days following the termination of your employment or eligibility. Insureds on continued coverage may apply for conversion to permanent coverage as outlined below. Conversion to Permanent* Coverage If your employment terminates for any reason or an insured person becomes ineligible, you and your insured family members may be able to convert your Voluntary Group Term Life Insurance coverage to permanent* universal life insurance. Insureds on continued coverage may apply for conversion to permanent coverage at any time, but in no event more than 31 days after the termination of the Group Master Policy or termination of your employer s participation in this group insurance program. Additional requirements and limitations will apply if your coverage terminates because the Group Master Policy terminates or your employer s participation in this insurance program ends. You must sign an application for conversion and submit payment within 31 days following the termination of your employment or eligibility, or your employer s participation in this group insurance program, in order to convert your coverage. Coverage will be billed monthly. No additional fees for direct payment will apply under this option. * In using the term permanent, it is important to note that coverage could lapse prior to the maturity date based on the planned periodic premiums, guaranteed interest rate, and guaranteed cost of insurance charges. Monthly Premium Cost The monthly premiums** for each $1,000 of coverage for employees and eligible spouses are shown below. Age Non-Smoker Smoker Under 30 $ 0.09 $ Age Non-Smoker Smoker The monthly premium for children is $.50 for each $2,500 of coverage. (For example, $5,000 coverage is $1.00 per month.) One premium amount per month covers all eligible children. ** Premiums increase as each Insured moves from one age band to another. Premiums are subject to change after one year.

5 Administrative Information Suicide Exclusion We will not pay a death benefit if an insured dies by suicide, while sane or insane, within two years of the date his/her insurance starts. If you or your spouse die by suicide, we will refund the premiums paid for your insurance (if a dependent child dies by suicide, we will refund the premiums paid for the dependent children s insurance only if you have no surviving insured dependent children). If any death benefit is increased, this suicide exclusion starts anew, but will apply only to the amount of the increase. When Insurance Stops Employee/Member: Your insurance stops at the earliest of: (1) 31 days after a premium due date, if the premiums for your insurance have not been paid; (2) the first day of the month that follows the date: (a) your employment/membership ends; or (b) your job/ membership falls into a class of jobs that is not eligible for insurance under the Group Master Policy; (3) the date the Group Master Policy is amended so that this insurance stops; (4) the date the Group Master Policy stops; (5) the date the Group Participant s participation ends; or (6) the date you ask, in writing, for it to stop. Spouse, if shown in the Certificate Schedule: Your spouse s insurance stops at the earliest of: (1) 31 days after a premium due date, if the premiums for his/her insurance have not been paid; (2) the date he/she no longer meets the definition of spouse; (3) the date your insurance stops; (4) the date the Group Master Policy is amended so that the spouse s insurance stops; (5) the date the Group Participant s participation is amended so that the spouse s insurance stops; or (6) the date you ask, in writing, for it to stop. Dependent Children, if shown in the Certificate Schedule: A dependent child s insurance stops at the earliest of: (1) 31 days after a premium due date, if the premiums for the dependent children s insurance have not been paid; (2) the date he/she no longer meets the definition of dependent child; (3) the date your insurance stops; (4) the date the Group Master Policy is amended so that the dependent children s insurance stops; (5) the date the Group Participant s participation is amended so that the dependent children s insurance stops or (6) the date you ask, in writing, for the dependent children s insurance to stop. Premium Payment Your Group Term Life Insurance premiums will be paid conveniently through payroll deduction. Beneficiary You designate your own beneficiary. Your spouse also designates his or her own beneficiary. In community property states (AZ, CA, ID, LA, NV, NM, TX, WA and WI), beneficiaries other than a spouse, require spousal consent. You, as the employee, will be the beneficiary of your children s insurance. Effective Date Your coverage will be effective on the first of the month following the date that the Insurer approves your application and payroll deduction begins.

6 How To Apply Select the amount of coverage that best meets your needs and those of your eligible family members. Calculate your premium, then complete and sign the accompanying application and its payroll deduction authorization. Be sure to complete all questions accurately. Your spouse must sign if he or she is requesting insurance coverage in excess of $25,000 or if you reside in FL,MI, PA, or SC. All applications are subject to the underwriting review and approval of Transamerica Life Insurance Company. Eligibility for Coverage If you are eligible, Voluntary Group Term Life Insurance is available to you (the employee), your eligible spouse, and your eligible dependent children. This insurance option helps provide pure life insurance protection. It is an ideal way to help provide financial protection during your working years. Employee Eligibility (1) If your employer requires that you must be continuously employed for a minimum number of days (as set forth in the Group Master Policy Schedule), you must be continuously employed for at least that number of days. (2) You must be actively performing the regular duties of your job for at least 30 hours per week in the usual manner and at the usual place of employment or business. (If you are not working due to illness or injury, you will not be eligible until you return to work). (3) You must have not been hospitalized within six months prior to the date of the application for insurance. (4) You must have not missed more than five consecutive days of work due to an accident or illness in the six months prior to the date of the application for insurance. (5) You must give Us evidence of insurability that is satisfactory to Us, if We ask for it.

7 Eligibility for Coverage (cont.) Spouse Eligibility (1) You must be legally married to the employee, as determined by the laws of the state in which you live. (2) If employed, your spouse must be actively performing the regular duties of his or her job in the usual manner and at the usual place of employment or business. (If your spouse is not working due to illness or injury, he or she will not be eligible until he or she returns to work). (3) If not employed, your spouse must be able to perform the normal activities of a person of the same age and gender (If he or she is disabled, he or she is not eligible). (4) Your spouse must have not been hospitalized within six months prior to the date of the application for insurance, or missed more than five consecutive days of work due to an accident or illness in the six months prior to the date of the application for insurance. (5) Your spouse must give Us evidence of insurability that is satisfactory to Us, if We ask for it. A spouse does not include anyone who is personally eligible as an employee. Dependent Child Eligibility A dependent child is an unmarried child who is: (1) your natural child; or (2) a legally adopted child, or a child for whom adoption proceedings have been started; or (3) a stepchild who lives with you; or (4) a child for whom you have been appointed legal guardian who lives with you. A dependent child must be: (a) at least 15 days old, through age 18 years old (through age 24, if a full-time student); and (b) depend on you for financial support. A dependent child must have not been hospitalized within six months prior to the date of application for insurance. Special provisions may apply for children who are physically or mentally challenged (May vary by state. Refer to your contract for complete details). For each dependent child, you must give Us evidence of insurability that is satisfactory to Us, if We ask for it. A dependent child does not include anyone who is personally eligible as an employee. If you and your spouse are both eligible as an employee, your dependent children may be insured as dependent children of either you or your spouse, but not both of you. This brochure highlights the features of your Voluntary Group Term Life Insurance coverage. Only the provisions, definitions, limitations, and exclusions of the Group Master Policy, Certificate, Riders, Endorsements, Application, and/or Enrollment Form, which together constitute the formal legal contract, will apply. A copy of the Group Master Policy is held by your employer and can be viewed upon request during your employer s normal business hours.

8 Voluntary Group Term Life Insurance is underwritten by: Transamerica Life Insurance Company Home Office: Cedar Rapids, IA Administrative Office: 1400 Centerview Drive Little Rock, AR (888)

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: 4333 Edgewood Road NE, Cedar Rapids, Iowa 52499 A Stock Company

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: 4333 Edgewood Road NE, Cedar Rapids, Iowa 52499 A Stock Company TRANSAMERICA LIFE INSURANCE COMPANY Home Office: 4333 Edgewood Road NE, Cedar Rapids, Iowa 52499 A Stock Company Policyholder: Policy Number: National Rural Letter Carriers Association T20029572 Policy

More information

Basic Life Insurance for Active Employees: $5,000. Your employer pays the premiums for this coverage.

Basic Life Insurance for Active Employees: $5,000. Your employer pays the premiums for this coverage. Section 4: Optional Benefits State of Oregon PEBB offers eligible employees the opportunity to select optional benefits. This section summarizes the following plans. Optional Employee and Spouse or Domestic

More information

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12

Term Life Insurance. Developed for the Employees of Iona College. 811761 a 06/12 Term Life Insurance Developed for the Employees of Iona College 811761 a 06/12 Who Needs Life Insurance? You do. Single or married. Buying your first home or preparing for retirement. Raising children

More information

Income Protection. Archdiocese of St. Louis Policy# 677885. Supplemental Life Insurance. Administration Guide for Supplemental Life Insurance :

Income Protection. Archdiocese of St. Louis Policy# 677885. Supplemental Life Insurance. Administration Guide for Supplemental Life Insurance : Income Protection Supplemental Life Insurance Administration Guide for Supplemental Life Insurance : Archdiocese of St. Louis Policy# 677885 Eligibility Enrollment Period All full-time active employees

More information

MetLife Term Life Insurance

MetLife Term Life Insurance MetLife Term Life Insurance Effective Date: January 1, 2014 pending underwriting approval if indicated OPTIONAL EMPLOYEE LIFE INSURANCE Optional Life coverage is available to you in the amounts listed

More information

YOUR SUPPLEMENTAL TERM LIFE INSURANCE PLAN

YOUR SUPPLEMENTAL TERM LIFE INSURANCE PLAN YOUR SUPPLEMENTAL TERM LIFE INSURANCE PLAN Cedar Rapids Community School District 6CC000 B-9284 7-09 (200) CONTENTS CERTIFICATION PAGE.......................... 1 SCHEDULE OF BENEFITS........................

More information

Your Life Insurance Guide

Your Life Insurance Guide Your Life Insurance Guide 646522-A Standard Insurance Company Life Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your

More information

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company

TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company TRANSAMERICA LIFE INSURANCE COMPANY Home Office: [4333 Edgewood Road NE, Cedar Rapids, IA 52499] A Stock Company Subject to the provisions of this Certificate and receipt of due proof of the Insured s

More information

University of Mississippi Medical Center Policy # 111686-002

University of Mississippi Medical Center Policy # 111686-002 Term Life Insurance and AD&D Coverage Highlights ADR1879-2001 University of Mississippi Medical Center Policy # 111686-002 Please read carefully the following description of your Unum Term Life and AD&D

More information

GROUP TERM LIFE INSURANCE

GROUP TERM LIFE INSURANCE EXCLUSIVE MEMBER BENEFIT! GROUP TERM LIFE INSURANCE for Pennsylvania Bar Association Members, their Families and their Employees Nothing can replace the loss of a loved one, but carefully chosen life insurance

More information

Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees. Voluntary Group Term Life Insurance

Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees. Voluntary Group Term Life Insurance Policyholder: BOB JONES UNIVERSITY Group Number: GA0845 Class: All Full Time Eligible Employees Voluntary Group Term Life Insurance This is your Certificate of Insurance. It describes the coverage selected

More information

Group and Voluntary Life and AD&D

Group and Voluntary Life and AD&D Group and Voluntary Life and AD&D Voluntary Life and AD&D Coverage for You and Your Family Voluntary Life and AD&D coverage is a great way to help your loved ones manage their financial needs in case there

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS YOUR GROUP VOLUNTARY TERM LIFE BENEFITS Pinal County Employee Benefit Trust All eligible active full-time employees hired on or before the 21st of the month Revised January 1, 2013 HOW TO OBTAIN PLAN BENEFITS

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of City of Fort Smith 6CC000 B-13291 (1-12) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

American Association of Orthodontists Endorsed Group Term Life Insurance Plan

American Association of Orthodontists Endorsed Group Term Life Insurance Plan The AAO-Endorsed Insurance Program meets my specific needs as an orthodontist, and is both cost-effective and convenient. Dr. Zachary Williams, Raytown, MO American Association of Orthodontists Endorsed

More information

Group Term Life Insurance Plan

Group Term Life Insurance Plan Group Term Life Insurance Plan Is your family protected? Did you know that half of U.S. households do not have adequate life insurance coverage? ( Life Insurance Awareness Month, LIMRA, August 2013.) If

More information

Life Insurance Company of North America 1601 Chestnut Street Philadelphia, PA 19192 (215) 761-1000

Life Insurance Company of North America 1601 Chestnut Street Philadelphia, PA 19192 (215) 761-1000 Life Insurance Company of North America 1601 Chestnut Street Philadelphia, PA 19192 (215) 761-1000 NOTICE CONCERNING POLICYHOLDER RIGHTS IN AN INSOLVENCY UNDER THE MINNESOTA LIFE AND HEALTH INSURANCE GUARANTY

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. Coconino Community College

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. Coconino Community College YOUR GROUP VOLUNTARY TERM LIFE BENEFITS Coconino Community College Effective January 1, 2006 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your completed claim

More information

Sage Term. 10/15/20 Year Term Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life

Sage Term. 10/15/20 Year Term Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life Sage Term 10/15/20 Year Term Life Insurance CONSUMER BROCHURE Wise Financial Thinking for Life We don t always know what the future brings. Sage TERM Consumer Brochure Wise Financial Thinking for Life

More information

Section. Group Universal Life Insurance

Section. Group Universal Life Insurance Section C Group Universal Life Insurance Section Background...C. 1 page Eligibility...C. 1 Effective Date of Coverage...C. 1 Coverage Options for the Member...C. 2 Coverage Increase Opportunity for the

More information

MetLife Term Life Insurance Plan

MetLife Term Life Insurance Plan MetLife Term Life Insurance Plan Basic Employee Life & AD&D Insurance Optional Employee Life & AD&D Insurance Basic Employee Life & AD&D Insurance This insurance is payable for death from any cause to

More information

Life Insurance Coverages Offered by American United Life Insurance Company (AUL)

Life Insurance Coverages Offered by American United Life Insurance Company (AUL) Group Term Life Insurance Coverage Opportunity for State of Indiana Employees American United Life Insurance Company a OneAmerica company One American Square, P.O. Box 368 Indianapolis, IN 46206-0368 1-800-673-3216

More information

New York Life Insurance Company

New York Life Insurance Company New York Life Insurance Company A Mutual Company Founded in 1845 51 Madison Avenue, New York, NY 10010 GROUP DECREASING TERM LIFE & DEPENDENT LIFE INSURANCE TO AGE 70 CERTIFICATE ( CERTIFICATE ) POLICYHOLDER

More information

McAllen Independent School District Policy # 219632

McAllen Independent School District Policy # 219632 Term Life Insurance and AD&D Coverage Highlights McAllen Independent School District Policy # 219632 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your

More information

CHURCH LIFE INSURANCE CORPORATION

CHURCH LIFE INSURANCE CORPORATION 445 Fifth Avenue New York, NY 10016 (866) 802-6333 (212) 592-1800 CHURCH LIFE INSURANCE CORPORATION THIS POLICY RIDER IS IN CONJUNCTION WITH THE GROUP INSURANCE POLICY AND CERTIFICATE NO. GL2005 IS ISSUED

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. City of Tuscaloosa

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. City of Tuscaloosa YOUR GROUP VOLUNTARY TERM LIFE BENEFITS City of Tuscaloosa Revised January 1, 2014 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your completed claim form

More information

THE UNITED STATES LIFE Insurance Company In the City of New York

THE UNITED STATES LIFE Insurance Company In the City of New York THE UNITED STATES LIFE Insurance Company In the City of New York (Called United States Life) United States Life will pay the benefits of this policy subject to its provisions. This page and the pages that

More information

Pioneer Surgical Technology, Inc. Policy # 151666

Pioneer Surgical Technology, Inc. Policy # 151666 Coverage Highlights Pioneer Surgical Technology, Inc. Policy # 151666 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts

More information

North East Independent School District Policy # 148281

North East Independent School District Policy # 148281 Coverage Highlights North East Independent School District Policy # 148281 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage

More information

Centenary College of Louisiana Policy # 136985

Centenary College of Louisiana Policy # 136985 Coverage Highlights Centenary College of Louisiana Policy # 136985 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts

More information

Zionsville Community School Corporation Policy # 593898

Zionsville Community School Corporation Policy # 593898 Coverage Highlights Zionsville Community School Corporation Policy # 593898 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage

More information

Life Insurance Plan. Affordable group term life coverage exclusively for ASCAP members and their spouse.

Life Insurance Plan. Affordable group term life coverage exclusively for ASCAP members and their spouse. Affordable group term life coverage exclusively for ASCAP members and their spouse. MusicPr o Life Insurance Plan An exclusive benefit of your membership affordable Group Term Life Insurance, endorsed

More information

Other Coverage Features

Other Coverage Features Voluntary Term Life Insurance Overview Prepared for the employees of BenefitMall Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income were gone? Could

More information

Saint Michael's College Policy # 563390

Saint Michael's College Policy # 563390 Term Life Insurance and AD&D Coverage Highlights Saint Michael's College Policy # 563390 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility

More information

Equimax Participating Whole Life Insurance. (For Adults) Optional Riders

Equimax Participating Whole Life Insurance. (For Adults) Optional Riders Equimax Participating Whole Life Insurance (For Adults) Optional Riders Additional Accidental Death Benefit 1 Disability Waiver of Premium Rider. 3 Children s Protection Rider 6 Guaranteed Insurability

More information

Robinson McFadden & Moore, P.C. Policy # 39860

Robinson McFadden & Moore, P.C. Policy # 39860 Coverage Highlights Robinson McFadden & Moore, P.C. Policy # 39860 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts

More information

EMPLOYEE LIFE INSURANCE

EMPLOYEE LIFE INSURANCE EMPLOYEE LIFE INSURANCE Life Benefit The Insurer will pay the amount of life insurance in force on the employee at the date of death provided that the Insurer receives due proof that the employee died

More information

Life Insurance Plan. for. Full-Time Appointed. Employees. IndianaUniversity. University Human Resource Services Effective January 1, 2004

Life Insurance Plan. for. Full-Time Appointed. Employees. IndianaUniversity. University Human Resource Services Effective January 1, 2004 Life Insurance Plan for Full-Time Appointed Employees of IndianaUniversity University Human Resource Services Effective January 1, 2004 This booklet is designed to summarize the group Life Insurance Plan

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. Grossmont-Cuyamaca College

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. Grossmont-Cuyamaca College YOUR GROUP VOLUNTARY TERM LIFE BENEFITS Grossmont-Cuyamaca College Revised July 1, 2007 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your completed claim

More information

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE GROUP 10-YEAR LEVEL TERM LIFE INSURANCE For Pennsylvania Bar Association Members, Their Spouses and Their Employees The Reliable, Affordable Solution Benefits from $50,000 - $1,000,000 Affordable Group

More information

Voluntary Term Life Insurance and AD&D Coverage Highlights

Voluntary Term Life Insurance and AD&D Coverage Highlights Coverage Highlights Educational Service Center of Franklin County Policy # 126694 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility Coverage

More information

Bradley University Policy # 133255

Bradley University Policy # 133255 Voluntary Term Life and AD&D Insurance Coverage Highlights Bradley University Policy # 133255 Please read carefully the following description of your Unum Voluntary Term Life and AD&D insurance plan. Your

More information

City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees

City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees City of Tuscaloosa GVTL-AE3M Revised: January 1, 2016 All Eligible Employees This Summary of Coverage provides a brief description of some of the terms, conditions, exclusions and limitations of Your employer

More information

Group Traditional Term Life Insurance Plan

Group Traditional Term Life Insurance Plan American College of Surgeons Insurance Program Group Traditional Term Life Insurance Plan Why should you consider the ACS Group Traditional Term Life Insurance Plan? As a surgeon you have many obligations

More information

Voluntary Term Life Insurance

Voluntary Term Life Insurance Voluntary Term Life Insurance Employee Benefit Booklet CITY OF TUCSON GAZ80191-0001 Class 1-01 Products and services marketed under the Dearborn National brand and the star logo are underwritten and/or

More information

Your Life Insurance Guide

Your Life Insurance Guide Your Life Insurance Guide 646524-A Standard Insurance Company Life Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your

More information

WRL TermPlus SM. Term Life Insurance offered by: Western Reserve Life Assurance Co. of Ohio

WRL TermPlus SM. Term Life Insurance offered by: Western Reserve Life Assurance Co. of Ohio WRL TermPlus SM WRL TermPlus SM Term Life Insurance offered by: Western Reserve Life Assurance Co. of Ohio Policy Form # TL050107 MS410009-05/09 The WRL TermPlus Term protection designed for you Meeting

More information

Life Group Insurance. Benefit Booklet

Life Group Insurance. Benefit Booklet LifeMap Assurance Company TM 100 SW Market Street P.O. Box 1271, MS E-3A Portland, OR 97207-1271 (503) 721-7161 (800) 794-5390 Life Group Insurance Benefit Booklet OREGON PUBLIC EMPLOYEES UNION Active

More information

Symetra Life Insurance Plan for County of Albemarle

Symetra Life Insurance Plan for County of Albemarle Symetra Life Insurance Plan for County of Albemarle - Employee Plan - For You Symetra s Group Term Life Insurance is a yearly renewable, supplemental group term life insurance with monthly premium rates

More information

Term Life Insurance and AD&D Coverage Highlights

Term Life Insurance and AD&D Coverage Highlights Coverage Highlights Your Plan Eligibility Policy Number 146240 Please read carefully the following description of your UnumProvident Term Life and AD&D insurance plan. Coverage Amounts All active full-time

More information

Voluntary Term Life Insurance

Voluntary Term Life Insurance Voluntary Term Life Insurance Employee Benefit Booklet CARTERET COUNTY SCHOOLS F011757-0001 Class 1-01 Products and services marketed under the Dearborn National brand and the star logo are underwritten

More information

Visa Inc. MetLife Life and AD&D Insurance Plan. Summary of Benefits for Employees

Visa Inc. MetLife Life and AD&D Insurance Plan. Summary of Benefits for Employees Visa Inc. MetLife Life and AD&D Insurance Plan Summary of Benefits for Employees Effective January 1, 2013 MetLife Life and AD&D Insurance Plan 1 Table of Contents BENEFITS UNDER THE LIFE AND AD&D PLAN...

More information

VOLUNTARY GROUP TERM LIFE INSURANCE:

VOLUNTARY GROUP TERM LIFE INSURANCE: VOLUNTARY GROUP TERM LIFE INSURANCE: This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. The important plan

More information

Supplemental Term Life: Retiree Rollover

Supplemental Term Life: Retiree Rollover Supplemental Term Life: Retiree Rollover STL GROUP TERM LIFE AND DEPENDENT LIFE INSURANCE CERTIFICATE INSURANCE CERTIFICATE POLICY NUMBER CCPOA Benefit Trust Fund NOTICE TO CALIFORNIA INSUREDS We are the

More information

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com

Sage Term - Product Guide PRODUCT GUIDE. Sage Term. SagicorLifeUSA.com PRODUCT GUIDE Sage Term SagicorLifeUSA.com Table of Contents 3-4 4 5 Sage Term Product Information Accelerated Benefit Rider (Inherent) Optional Riders - Accidental Death Benefit Rider Children s Term

More information

Montana Chamber Choices Policy # 79372

Montana Chamber Choices Policy # 79372 Coverage Highlights Montana Chamber Choices Policy # 79372 Please read carefully the following description of your Unum Voluntary Term Life and AD&D insurance plan. Your Plan Eligibility Coverage Amounts

More information

Supplemental Term Life Insurance Plan

Supplemental Term Life Insurance Plan Supplemental Term Life Insurance Plan JANUARY 1, 2006 Who Is Eligible Service Requirement Eligibility Date Dependent Age Limit Employee-Only Coverage Options Spouse-Only Coverage Options Children-Only

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of State of North Carolina 6CC000 B-9321 11-04 (electronic) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

City of Rexburg Policy # 836476

City of Rexburg Policy # 836476 Term Life Insurance Coverage Highlights Employee Funded City of Rexburg Policy # 836476 Please read carefully the following description of your Unum Term Life insurance plan. Your Plan Eligibility All

More information

PENNSYLVANIA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT NOTICE

PENNSYLVANIA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT NOTICE PENNSYLVANIA LIFE AND HEALTH INSURANCE GUARANTY ASSOCIATION ACT NOTICE Residents of Pennsylvania who purchase life insurance, annuities or health insurance should know that the insurance companies licensed

More information

Additional Life Coverage Highlights Kent State University

Additional Life Coverage Highlights Kent State University Additional Life Coverage Highlights Additional Life Insurance will provide Basic Life coverage from Standard Insurance Company. If you are enrolled in Basic Life, you may also apply for Additional Life

More information

YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN

YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN YOUR GROUP SUPPLEMENTAL LIFE INSURANCE PLAN For Employees of North American Division of Seventh-day Adventists ReliaStar Life Insurance Company P.O. Box 20 Minneapolis, MN 55440-0020 B13826 B-13826 (01-13)

More information

Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809

Life. Group Term Life Plans Group Sizes 2 or more. Underwritten by BEST Life and Health Insurance Co. LIFE-081809 Group Term Plans Group Sizes 2 or more Underwritten by BEST and Health Insurance Co. LIFE-081809 Insurance for Protection Group Term insurance provides valuable and affordable group benefits, providing

More information

Base Plan Benefits Two Plan Options

Base Plan Benefits Two Plan Options Endowment at Age 100 Life Insurance Paul Revere s Endowment at Age 100 is an individually owned life insurance plan with guaranteed level premiums, guaranteed cash values and a guaranteed death benefit.

More information

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value

Variable Universal Life Permanent Life Insurance. Flexible premiums and potential cash value Variable Universal Life Permanent Life Insurance Flexible premiums and potential cash value Why consider a Variable Universal Life Policy? Permanent life insurance protection, plus potential cash value

More information

Group Voluntary Life Insurance

Group Voluntary Life Insurance Group Voluntary Life Insurance For The University of Alabama at Birmingham Answers To Your Questions About Coverage From The Standard Standard Insurance Company Group Voluntary Life Insurance About This

More information

SUN LIFE ASSURANCE COMPANY OF CANADA

SUN LIFE ASSURANCE COMPANY OF CANADA SUN LIFE ASSURANCE COMPANY OF CANADA Policyholder: Nevada Public Employee Voluntary Life Plan Policy Number: 08703-001 Policy Effective Date: March 1, 2008 Policy Anniversary: March 1, 2009 Policy Amendment

More information

A member must be insured under this plan or under G-3900 or G-29500 or be uninsurable in order to insure a spouse.

A member must be insured under this plan or under G-3900 or G-29500 or be uninsurable in order to insure a spouse. Q: 1) Who can get OMA Flex-Term Life*? Members of the Ontario Medical Association, Doctors Nova Scotia, New Brunswick Medical Society, Medical Society of Prince Edward Island or Newfoundland and Labrador

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. Self-Insured Schools of California (SISC)

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS. Self-Insured Schools of California (SISC) YOUR GROUP VOLUNTARY TERM LIFE BENEFITS Self-Insured Schools of California (SISC) Revised January 1, 2012 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your

More information

FIUL. Fixed Indexed Universal Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life

FIUL. Fixed Indexed Universal Life Insurance CONSUMER BROCHURE. Wise Financial Thinking for Life FIUL Fixed Indexed Universal Life Insurance CONSUMER BROCHURE Wise Financial Thinking for Life The future starts today not tomorrow. FIUL Consumer Brochure Wise Financial Thinking for Life Sagicor Life

More information

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association

Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association Notice of Protection Provided by Utah Life and Health Insurance Guaranty Association This notice provides a brief summary of the Utah Life and Health Insurance Guaranty Association ( the Association )

More information

Voluntary Term Life, Voluntary Personal Accident Insurance Overview

Voluntary Term Life, Voluntary Personal Accident Insurance Overview Voluntary Term Life, Voluntary Personal Accident Insurance Overview Prepared for the employees of Westminster College Voluntary Term Life Insurance Coverage paid by you What would happen to your family

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN Account 2 6CC000 B-5172 7-13 (300) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Your Life Insurance Guide

Your Life Insurance Guide Your Life Insurance Guide 646527-A Standard Insurance Company Life Insurance Life insurance coverage can help your family meet daily expenses, maintain their standard of living, pay off debt, secure your

More information

High Desert & Inland Employee-Employer Trust Policy # 98931

High Desert & Inland Employee-Employer Trust Policy # 98931 Voluntary Term Life Insurance/AD&D Coverage Highlights APPLE VALLEY UNIFIED SCHOOL DISTRICT DIVISION 002 High Desert & Inland Employee-Employer Trust Policy # 98931 Please read carefully the following

More information

New York Life Insurance Company

New York Life Insurance Company New York Life Insurance Company A Mutual Company Founded in 1845 51 Madison Avenue, New York, NY 10010 GROUP DECREASING TERM LIFE & DEPENDENT LIFE INSURANCE TO AGE 70 WITH AN ACCELERATED DEATH BENEFIT

More information

Member Term Life Plan

Member Term Life Plan A benefit of your Bar Association membership! QUEENS COUNTY BAR ASSOCIATION Organized 1876 Queens County Bar Association Member Term Life Plan Affordable Term Life Insurance available through your Bar

More information

VOLUNTARY GROUP TERM LIFE INSURANCE: GUARANTEED ISSUE:

VOLUNTARY GROUP TERM LIFE INSURANCE: GUARANTEED ISSUE: VOLUNTARY GROUP TERM LIFE INSURANCE: This plan offers you and your dependents an excellent opportunity to purchase affordable group term life insurance on a payroll deduction basis. The important plan

More information

Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS

Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS INTRODUCTION Toronto District School Board GROUP LIFE INSURANCE FOR TEACHERS This group life insurance plan, under policy G. 10450 with Canada Life, originated in 1971. It is managed by a joint Management

More information

TERM LIFE. Affordable term life insurance, endorsed by the National Hispanic Christian Leadership Conference as a benefit of your membership.

TERM LIFE. Affordable term life insurance, endorsed by the National Hispanic Christian Leadership Conference as a benefit of your membership. A benefit of your membership! NATIONAL HISPANIC CHRISTIAN LEADERSHIP CONFERENCE TERM LIFE INSURANCE PLAN Affordable term life insurance, endorsed by the National Hispanic Christian Leadership Conference

More information

University System of Maryland. Your Group Life Insurance Plan

University System of Maryland. Your Group Life Insurance Plan University System of Maryland Your Group Life Insurance Plan Identification No. 115327 011 Underwritten by Unum Life Insurance Company of America 7/9/2013 CERTIFICATE OF COVERAGE The Group Insurance Policy

More information

The School District of Volusia County Policy # 25156

The School District of Volusia County Policy # 25156 Basic and Supplemental Coverage Highlights ADR1879-2001 The School District of Volusia County Policy # 25156 The Basic and Supplemental Life Insurance coverage offered by the School District of Volusia

More information

MetLife Supplemental Life Insurance

MetLife Supplemental Life Insurance Westminster College Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Life and Accidental Death and Dismemberment Insurance

More information

WCBA. Member Term Life Plan. Westchester County Bar Association. A benefit of your Bar Association membership! Affordable Term Life Insurance

WCBA. Member Term Life Plan. Westchester County Bar Association. A benefit of your Bar Association membership! Affordable Term Life Insurance A benefit of your Bar Association membership! Member Term Life Plan Affordable Term Life Insurance available through your Association as a benefit of your membership. WCBA 0197234-00004-00 Member Term

More information

School District of the City of Battle Creek- Administrative Staff Policy # 116823

School District of the City of Battle Creek- Administrative Staff Policy # 116823 Coverage Highlights School District of the City of Battle Creek- Administrative Staff Policy # 116823 Please read carefully the following description of your Unum VolunatryTerm Life and AD&D insurance

More information

Updating your family s financial security is Simple, Affordable & SAFE!

Updating your family s financial security is Simple, Affordable & SAFE! You never know what can happen on your watch. Is your family financially secure? Updating your family s financial security is Simple, Affordable & SAFE! C-07 The California State Firefighters Employee

More information

CERTIFIES THAT Group Policy No. GL 000400001000-19783 has been issued to

CERTIFIES THAT Group Policy No. GL 000400001000-19783 has been issued to The Lincoln National Life Insurance Company A Stock Company Home Office Location: Fort Wayne, Indiana Group Insurance Service Office: 8801 Indian Hills Drive, Omaha, NE 68114-4066 (800) 423-2765 Online:

More information

Optional and Dependent Life Group Insurance Plan 112687.011

Optional and Dependent Life Group Insurance Plan 112687.011 Optional and Dependent Life Group Insurance Plan 112687.011 CERTIFICATE OF COVERAGE Unum Life Insurance Company of America (referred to as Unum) welcomes you as a client. This is your certificate of coverage

More information

THE STANDARD LIFE AND AD&D INSURANCE

THE STANDARD LIFE AND AD&D INSURANCE THE STANDARD LIFE AND AD&D INSURANCE Standard Insurance Company provides Life, Accidental Death and Dismemberment (AD&D) for eligible Bloomfield School District (BSD) employees and dependents Basic Term

More information

hy should you consider purchasing life insurance protection at your workplace?

hy should you consider purchasing life insurance protection at your workplace? Region One Education Svc Ctr W hy should you consider purchasing life insurance protection at your workplace? Employees find significant value in obtaining non-medical products in their workplace. Many

More information

Cape Breton University

Cape Breton University Cape Breton University Group Policy Number: G0050230 Plan C: Active Employees Age 65 and Over Employee Name: Certificate Number: Welcome to Your Group Benefit Program Group Policy Effective Date: September

More information

Voluntary Term Life Insurance Overview

Voluntary Term Life Insurance Overview Voluntary Term Life Insurance Overview Prepared for the employees of The Columbus Organization Voluntary Term Life Insurance Coverage paid by you What would happen to your family if you and your income

More information

Group 10-Year Level Term Life Insurance Plan

Group 10-Year Level Term Life Insurance Plan American College of Surgeons Insurance Program Group 10-Year Level Term Life Insurance Plan Why should you consider the ACS Group 10-Year Level Term Life Insurance Plan? As a surgeon you have many obligations

More information

Companion Life Insurance Company. Administrative Guide

Companion Life Insurance Company. Administrative Guide Companion Life Insurance Company Administrative Guide Contents Section.Title About Your Companion Life Administrative Guide I. Online Services II. New Enrollments Who is Eligible for insurance? Processing

More information

GROUP TERM LIFE INSURANCE

GROUP TERM LIFE INSURANCE Quality Group Life Insurance protection for members of the American Academy of Pediatrics $1,000,000 maximum members and spouses Non-smoker rates Waiver of premium Optional AD&D benefit Accelerated Death

More information

Voluntary Term Life Program Specifications Prepared For. Gunnison County

Voluntary Term Life Program Specifications Prepared For. Gunnison County Voluntary Term Life Program Specifications Prepared For Gunnison County The Lincoln National Life Insurance Company 8801 Indian Hills Drive, Omaha, NE 68114 VOLUNTARY TERM LIFE INSURANCE Employee Gunnison

More information

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of Knox County Government and Knox County School Board Knox County Government 6CC000 B-12801 04-11 CONTENTS CERTIFICATION PAGE.............................................

More information

Financial Protection for You and Your Loved Ones

Financial Protection for You and Your Loved Ones Financial Protection for You and Your Loved Ones Basic Employer-Paid Life Insurance Optional Employee-Paid Life Insurance Dependent Employee-Paid Life Insurance Voluntary Accidental Death & Dismemberment

More information