Saluting America s Finest

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1 ARMY M NAVY M AIR FORCE M MARINES M COAST GUARD Saluting America s Finest A guide to supplemental life insurance.

2 You may have life insurance, but it may not be enough As a serviceman or woman, you are eligible for SGLI coverage while you are on active duty, and VGLI after you have left the service. While each option offers affordable coverage, there are limits to coverage amounts. And you may want more. Military Benefit Association can provide quality coverage of up to $1,000,000. 1

3 How to get life insurance that s right for you The primary purpose of life insurance is to replace income. Purchasing life insurance can help provide both you and your family with the peace of mind that future needs are anticipated. Even more reassuring, it s a great value. Life insurance from Military Benefit Association can be as low as $2.50 a month* per $50,000 in coverage. And you can choose your coverage in $50,000 increments up to $1,000,000. If you re currently in the service or about to separate, you can get coverage to supplement your SGLI. What s more, life insurance from Military Benefit Association is portable, which means you can continue your coverage at special rates after you leave the service. If you re a veteran or retired, you can get low-cost coverage in addition to or in place of VGLI. Or you may wish to forego VGLI and opt for MBA instead, because we offer higher coverage amounts at rates generally lower than VGLI. You can get coverage for your family. Children may be covered for up to $12,500 at no additional charge. And your spouse is eligible for full membership and up to $1,000,000 of coverage, too. Who we are Military Benefit Association was founded by military personnel to help advance and safeguard the economic interests and financial welfare of military personnel. For 60 years we have operated as a non-profit association. *The $2.50 rate is the non-smoker rate for members up to age 29 for $50,000 (1 unit) of coverage as of May Please see page 5 of this brochure for a full rate chart. 2

4 The straight story about life insurance These sensible tips provide answers to frequently asked questions about life insurance. 1. Life insurance can help replace your paycheck if you aren t there to earn it. Life insurance helps those you care about continue with the lifestyle you intended and expected. 2. Some life insurance is better than no life insurance. If you re one of the 30% of all U.S. households who have no life insurance at all, 1 you might want to consider your options. 3. Life insurance is less expensive than you think. You can get coverage for a surprisingly low price. Please see page 5 for a full rate chart. 4. Most people underestimate how much life insurance they need. Some people assume they have enough coverage through SGLI or VGLI. But nearly one-third (30%) of Americans believe they need more life insurance. 2 To see how much you should consider, use our simple tool in Calculating your coverage and cost on page Life insurance needs change over time. Review your protection every year to take into account changing life insurance needs such as marriage and new family members. 6. Term insurance is a cost-effective way to get extra protection. 7. Coverage for your spouse is important, too. SGLI offers only limited coverage for spouses. But MBA offers up to $1,000,000 in coverage for your spouse. 1 U.S. Life Ownership Study, LIMRA, LIMRA 2015 Insurance Barometer Study. 3

5 What you ll get Here are plan highlights of supplemental life insurance from Military Benefit Association: Á Coverage to Age 90 (Coverage amount reduces at ages 70 and 80. See Benefit provisions and schedules on page 6.) 24 hours a day, anywhere in the world, during times of war and peace. Á No Limitations on Aviation-Related Deaths The coverage has no limitations for aviation-related deaths. Á No War Clause Life insurance benefits remain payable even when death is caused by an act of war. Á Premium Waived for MIA/POW Premium payments will be waived for individuals officially listed by the Department of Defense as Missing in Action (MIA) or Prisoner of War (POW). Á Emergency Death Benefit An advance payment of up to $10,000 may be paid promptly to the designated beneficiary on the death of a Member upon request and verification. Á Accelerated Benefits Option 1 (For access to funds during a difficult time) You can receive up to 80% of your Term Life insurance proceeds to a maximum of $500,000 in the event that you become terminally ill and are diagnosed with less than 12 months to live. This can go a long way toward helping your family meet medical and other related expenses at this difficult time. This option is not available for dependent child coverage. Á Premium Rates Rates are based on your age on your effective date of coverage. Rates will change when you move into a higher age band and premium rates for the policy under which you are covered change. An increase in your allotment or premium payment will be necessary if one of these events occurs. If you fail to pay the increase in premium, your coverage will be continued, but at a reduced amount. Á Coverage for Your Spouse and Children Your spouse may apply for up to $1,000,000 of coverage, including all the features listed above, and coverage up to $12,500 per child is available at no additional cost. "I am very pleased to acknowledge that your organization speaks volumes on providing excellent service and for being customer-oriented. Sergeant First Class, U.S. Army, MBA Member since

6 Calculating your coverage and cost MBA recommends having coverage equal to 60% of your salary times your remaining working years. How much do I need How much does it cost Current income Years left to work (Military and post-military) Subtotal x 60% Life insurance needed x Coverage needed Units of coverage needed Rate from chart based on your age Total monthly premium $50,000 = x Monthly rates per $50,000 units of life insurance coverage Age Non-Tobacco User Premium Tobacco User Premium up to age 29 $2.50 $ $2.90 $ $3.10 $ $4.00 $ $5.00 $ $8.50 $ $15.50 $ $23.79 $ $45.78 $ * $74.26 $ * $ $ * $ $ * $ $ * When you reach age 70, your coverage will reduce to 35% of what it was on the day it was prior to you turning 70. Your premium amount will be adjusted to reflect your reduced amount of coverage. Additionally, when you turn 80, your coverage will reduce to 10% of what it was on the day it was prior to you turning 70. Your premium amount will be adjusted to reflect your reduced amount of coverage. The terms of our life insurance are flexible, so you can adjust the amount of coverage to get a monthly rate you can afford. 5 The people at Military Benefit Association could not have been nicer or more helpful. They told me exactly what needed to be done and helped me in every way possible. Janet Overton, military spouse and MBA Policy Holder

7 Benefit provisions and schedules Number of $50,000 Units Member s Death Benefit Age at death 0-69 Age at death Age at death $50,000 $17,500 $5,000 2 $100,000 $35,000 $10,000 3 $150,000 $52,500 $15,000 4 $200,000 $70,000 $20,000 5 $250,000 $87,500 $25,000 6 $300,000 $105,000 $30,000 7 $350,000 $122,500 $35,000 8 $400,000 $140,000 $40,000 9 $450,000 $157,500 $45, $500,000 $175,000 $50, $550,000 $192,500 $55, $600,000 $210,000 $60, $650,000 $227,500 $65, $700,000 $245,000 $70, $750,000 $262,500 $75, $800,000 $280,000 $80, $850,000 $297,500 $85, $900,000 $315,000 $90, $950,000 $332,500 $95, $1,000,000 $350,000 $100,000 Note: The Lump Sum Death Benefits listed above assume that the Member pays the premium increases scheduled at each new age bracket; otherwise, the Lump Sum Death Benefit will be reduced to 90% of the amount that can be provided by the premium actually paid, rounded to the nearest multiple of $ You may request an example from MBA. All insurance on a Member insured under this coverage will terminate on the premium due date which coincides with, or next follows, his or her 90th birthday. Effective Date of Insurance Coverage becomes effective on the first day of the month coincident with or next following both a) approval of your application for insurance and b) receipt by MBA of the required premium. Please note that your scheduled effective date will be impacted if, on that day, an illness prevents you from completing a day of regular employment or from performing your normal activities. Normal activities means that you are not confined to a hospital, or at home under the care of a physician for any medical reason. Also, if a dependent child is hospitalized on the date his or her insurance would otherwise go into effect, the coverage will not begin until the day after he or she is discharged. Exclusion No benefit will be paid if a Member s or dependent child s death occurs from suicide in the first two years of coverage, or if health is misrepresented. Instead, the premium will be refunded. Cancellation Protection, Termination Life insurance coverage cannot be terminated by the insurer prior to age 90 as long as MBA membership continues, the master group policy stays in force, premiums continue to be paid, and the above exclusions do not apply. Child coverage terminates on the date the child marries, reaches age 21 (age 25 if enrolled as a full-time student in an accredited school), or when Member ceases to be insured, if earlier. Eligibility You are eligible if on your coverage effective date you are: (1) Under age 70 and on active duty in the U.S. Uniformed Services, National Oceanic & Atmospheric Administration, U.S. Public Health Service, or a cadet in a service academy; (2) Under age 70 and entitled to receive pay in the National Guard or in a Ready Reserve status in the Army National Guard of the United States, the Army Reserve, the Navy Reserve, the Marine Corps Reserve, the Air National Guard 6

8 of the United States, the Air Force Reserve or the Coast Guard Reserve; or under age 70 and retired with pay from a service listed above or separated under honorable conditions from a service listed above. Amounts Available As an eligible applicant under age 70, you may apply for life insurance in amounts up to $1,000,000, in units of $50,000 (amounts reduce at age 70 and 80). If you elect a minimum of 2 units ($100,000) on your life, each eligible child will be covered, AT NO EXTRA COST, for $2,500 per unit that you purchased on your life. Child benefits are $500 per unit at age 14 days to 6 months, then $2,500 per unit to age 21, or age 25 if a full-time student in an accredited school. A maximum of $12,500 is available for each child. Dependent Child Life Insurance Coverage Eligible dependents are your unmarried dependent children at least 14 days old but under age 21 (age 25 if a full-time student in an accredited school). A child may NOT be insured as a dependent if he or she is insured as a Member of MBA. Dependent children may only be covered under one insured MBA member. Please notify MBA within 30 days of the birth of any child not listed on the enrollment application form. Apply now. Visit militarybenefit.org or call MBA

9 Life insurance underwritten by 1 The Accelerated Benefits Option is subject to state availability and regulation. The accelerated life insurance benefits offered under your certificate are intended to qualify for favorable federal tax treatment. If the accelerated benefits qualify for favorable tax treatment, the benefits will be excludable from your income and not subject to federal taxation. This information was written as a supplement to the marketing of life insurance products. Tax laws relating to accelerated benefits are complex and limitations may apply. You are advised to consult with and rely on an independent tax advisor about your own particular circumstances. Receipt of accelerated benefits may affect your eligibility, or that of your spouse or your family, for public assistance programs such as medical assistance (Medicaid), Temporary Assistance to Needy Families (TANF), Supplementary Social Security Income (SSI) and drug assistance programs. You are advised to consult with social service agencies concerning the effect that receipt of accelerated benefits will have on public assistance eligibility for you, your spouse or your family. Coverage will either be approved by MetLife based upon its underwriting rules and your answers or you will be asked to submit additional medical information in order for MetLife to complete its review of your application for coverage. Coverage not available in all states and certain state limitations may apply to some provisions. All applications are subject to review and approval by Metropolitan Life Insurance Company based upon its underwriting rules. This policy contains certain exclusions, limitations, reductions of benefits and terms for coverage. Any such exclusions, reductions or limitations will be fully described in the life insurance certificate, the terms of which shall govern the provision of benefits. You may also call MBA at phone MBA-1020 for additional information. When you attain age 70, your life insurance will be reduced to 35% of the amount of life insurance in force on the day before you attained 70. When you attain age 80, your life insurance will be reduced to 10% of the amount of life insurance in force on the day before you attained age Metropolitan Life Insurance Company, New York, NY L [exp0617][All States][DC] 8

10 MILITARY BENEFIT ASSOCIATION Helping military families since 1956 Call MBA-1020 or visit MilitaryBenefit.org

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