Extra financial protection choices for you and your family

Size: px
Start display at page:

Download "Extra financial protection choices for you and your family"

Transcription

1 AETNA VOLUNTARY TERM LIFE AND AD&D ULTRA PLANS Aetna Voluntary Plans Extra financial protection choices for you and your family C (5/11)

2 Choose the coverage that meets your individual needs You can also get emotional support at no additional cost A terminal illness is stressful for everyone. To help you and your loved ones handle the strain, our Aetna Life Essentials SM program offers: Counseling services. We re here to listen. We give you, your family members and caregivers unlimited grief counseling sessions over the telephone. Three phone counseling sessions are also available to beneficiaries and family members after the insured member has passed away. This service is completely confidential, of course. Compassionate care website. Feel free to log in anytime. We ll help you think about, and talk about, endof-life issues. You ll find information about end-of-life care, plus facts about living wills and more. We even have checklists to help you organize important papers and contacts. Personal care advocate. Someone to lean on. As an Aetna Life Insurance member, you ll have access to a licensed social worker who can provide emotional support and education and help you and your caregivers make important decisions as you near the end of life. Life insurance is important during every stage of life You re single nothing to tie you down Car loans. Student loans. Credit card bills. You should have enough cash available for your family to pay off any outstanding debt. Married with kids balancing family and work You may need additional insurance. Families with children often have big responsibilities and too little savings. If you die prematurely, life insurance will help give your spouse and children the support they need. Single parent flying solo You re the one they count on. Life insurance can help pay for their day care and other living expenses if you re no longer here. Their dreams of college can still come true. Married, no kids assets to protect Hold on to what you ve both worked hard to achieve. If you have a double income, high-worth assets or both, life insurance is vital. It will help your spouse maintain his or her standard of living when you re gone. It can also be a smart financial investment. Midlife couple feeling squeezed? Protect your spouse from a big financial loss. Life insurance can help you avoid eating up retirement savings to care for older parents or pay for college tuition. Mature couple making plans Your grandchildren need help with college expenses. And wouldn t it be nice to leave money to your favorite charity? Whatever your goals, life insurance should be an important part of your overall financial plan. Life insurance policies are offered and underwritten by Aetna Life Insurance Company. AD&D insurance plans are underwritten by Aetna Life Insurance Company (Aetna).

3 Want to figure out the life insurance benefit you need? How much insurance do you need? Make sure your coverage keeps up with the changes in your life such as marriage, having children, or home purchases. Use this worksheet as a general guide. It s also a good idea to study your insurance needs with a trusted financial counselor. Your Benefits Manager has all the details Please review your plan s Summary of Benefits, if available, or check with your benefits manager to find out about all the features and details of your Aetna Life Insurance coverage. Options and features of life insurance policies vary between employers and states. Term life insurance exclusions Employee and dependent life insurance may include a two-year suicide exclusion. Dependent life insurance may also exclude children under 14 days old, and dependents who are in full-time active military duty. See your Certificate/ Evidence of Insurance for further information on these and all other plan provisions. Here s a calculator worksheet to use as a guide. 1. Annual Income Needed (Each 12-Month Period) Mortgage/Rent (total monthly payments, real estate taxes, home repairs and improvement, furniture, etc.) $ Utilities/other home expenses $ Food, medicines $ Clothing $ Transportation (car payments, gas, repairs, bus, etc.) $ Child care (day care, sitters, other) $ Other (such as entertainment) $ Total Annual Income Needed $ 2. Sources of Annual Income of Surviving Spouse Annual income of surviving spouse/other family member $ Annual earnings (investments, earnings on savings, etc.) $ Other (Social Security, pension, etc.) $ Total Source of Annual Income $ Subtract Total Sources of Annual Income from Total Annual Income Needed (Section 1 Total minus Section 2 Total) $ Multiply by Number of Years You Would Like to Provide Support 3. Total Income Needed by Family $ 4. Lump-Sum Expenses Needed (What you want/need to pay off) $ Mortgage $ Funeral $ Medical $ Estate costs, federal and state taxes $ Debts to be paid off (credit cards, loans, etc.) $ Education (total education costs for all children) $ Other (support of aging family members, etc.) $ Total Lump-Sum Expenses $ Total Coverage Needed Add Total Income Needed by Family + Lump-Sum Expenses Needed (Section 3 Total plus Section 4 Total) $ Subtract Current Coverage Held (term life insurance, etc.) $ Total Additional Term Life Insurance You Need to Purchase $ years

4 Aetna Voluntary AD&D Ultra Insurance Accidents can happen. And when they do, they may have a major impact on your health and finances. That s why it s important to have good insurance protection. And good protection means the right choices like you get with Aetna AD&D Plans. We offer the products that help you look after yourself and your family, with an eye on saving money, too. AD&D Ultra, the Accidental Death and Personal Loss Insurance coverage by Aetna, offers your loved ones a payment and other benefits if an unexpected accident causes your death. Plus, you ll get a financial payment if an accident leaves you with a disabling injury. Coverage for many physical losses Our AD&D Ultra plan covers general accidental death and dismemberment, and other serious results of accidents: Loss of eyesight, hearing or speech Loss of a limb (arm or leg) Loss of limb use due to paralysis Disfiguring third-degree burns Coma Paralysis Accidental death, including: > > Death due to exposure to natural or chemical elements, and > > Presumed death due to disappearance Beneficiary lifestyle and education benefits* Feel secure. Your loved ones can get additional coverage with these lifestyle and education benefits: Child care benefit. Here s help to pay the cost of state-licensed child care providers for your eligible children for up to four years after the death of a covered parent. Education benefit. If eligible, your dependent children may get an education benefit for up to four years beyond the death of a covered parent. After high school, the benefit is for eligible education expenses already paid. Age limitations apply. We ll also help a surviving spouse pay for job training to help cope with lost income. Passenger restraint and airbag benefit. Families get an additional benefit if a plan member dies in a covered car accident while properly wearing a seatbelt. An extra benefit may be paid if an airbag was also activated. Repatriation of remains. We ll help pay for a member s body to be returned to their hometown if an accidental death takes place more than 200 miles from home. * Not all features are available in all states. Please check your plan documents for information about which features are available.

5 It s great to know you have ways to protect your finances Aetna Voluntary Term Life Insurance Do you have loved ones that count on your income? What would happen to them if something happened to you? Your home, your vehicles, your children s education, the list goes on. Aetna Voluntary Term Life is life insurance that provides the financial protection your loved ones need for the period of time (term) you remain insured for the coverage. What is term life insurance? In the event of your death, a benefit is paid to your beneficiaries in the amount of coverage provided by your plan, subject to plan provisions. We pay your beneficiary(ies) the amount of coverage you are eligible for under the policy. Three reasons to buy It s responsible. Whether you are young and single or leaving a family behind, your death will have a financial impact on those you love. It s affordable. Term life insurance is generally less expensive than other types of life insurance. It s convenient. It s easy to enroll at work, and premiums are typically paid through payroll deduction. Please see your Summary of Benefits, if available, or contact your benefits manager for details on how to enroll. We have the products that can help protect you and your family at an affordable price. Language assistance: If you need assistance in any language, please call Member Services at Su necesita asistencia en cualquier idioma, por favor llame a Servicios al Cliente al

6 Aetna AD&D Ultra Insurance Financial and legal help to handle life s demands The loss of a loved one brings many difficult challenges. There are the feelings to deal with... but there are difficult financial and legal decisions, too. That s where Aetna Life Essentials SM steps in. Your family will get access to legal and financial resources to help make important decisions. There s no additional cost to you and it s all confidential. Here s what s included: Access to financial guidance from JPMorgan Chase.* Help for your beneficiaries so they know the best ways to invest their money. Access to legal information through ARAG North America.** Beneficiaries will get forms for living wills, will preparation services and more. The program also offers identity theft protection resources. Aetna AD&D Ultra exclusions No benefits are payable for a loss caused or contributed to by: a bodily or mental infirmity; a disease, ptomaine or bacterial infection, not a direct result of an accident; medical or surgical treatment, not needed as a direct result of an accident; suicide or attempted suicide; an intentionally self-inflicted injury; war or act of war; voluntary inhalation of poisonous gases; commission of or attempt to commit a criminal act; use of alcohol, drugs or intoxicants, except as prescribed by a physician; contact with nuclear or atomic energy; air or space travel, unless a passenger without duties. Other exclusions and limitations apply and may vary from state to state; please consult your plan documents for details of your policy. AD&D Ultra works with your other insurance policies Health insurance helps pay the bills from doctors and hospitals. Disability insurance helps give you financial protection if you become disabled. Life insurance helps give your loved ones financial protection if you pass away. AD&D Ultra helps give you and your family added protection if you pass away or suffer a serious loss as the direct result of an accident. * Securities and investment advisory services are independently offered through Chase Investment Services Corp. (CISC), a subsidiary of JPMorgan Chase Bank. CISC is a full-services broker-dealer and a registered investment advisor. ** Legal Reference TM Program services are independently offered and administered by ARAG Insurance Company of Des Moines, Iowa. Aetna does not participate in attorney selection or review, and does not monitor ARAG services, content or network. This material is for information only and is not an offer or invitation to contract. An application must be completed to obtain coverage. Rates and benefits vary by location. Specific features of life insurance plans vary, depending on employers and states. Plan features and availability may vary by location and are subject to change. Plans contain exclusions and limitations. See policy or plan documents for a complete description of benefits, exclusions, limitations and conditions of coverage. Information is believed to be accurate as of the production date; however, it is subject to change. For more information about Aetna plans, refer to Policy form numbers issued in OK: GR-9/GR-9N and/or GR-29/GR-29N Aetna Inc C (5/11)

Help protect the financial future of the ones you love

Help protect the financial future of the ones you love AETNA VOLUNTARY LIFE PLAN Aetna Voluntary Plans Help protect the financial future of the ones you love 26.02.313.1 E (4/11) With term life insurance, you can start protecting your future today Help your

More information

Small Business Solutions Life and Disability Insurance Options

Small Business Solutions Life and Disability Insurance Options Small Business Solutions Life and Disability Insurance Options Florida 14.02.925.1-FL (1/07) Aetna Life and Disability The streamlined Life and Disability package includes a range of flat dollar insurance

More information

Small Business Solutions Life and Disability Insurance Options

Small Business Solutions Life and Disability Insurance Options Small Business Solutions Life and Disability Insurance Options North Carolina Underwritten by Aetna Life Insurance Company. 14.02.925.1-NC A (9/07) Aetna Life and Disability The streamlined Life and Disability

More information

Small Business Solutions Life and Disability Insurance Options

Small Business Solutions Life and Disability Insurance Options Small Business Solutions Life and Disability Insurance Options Georgia 14.02.925.1-GA (12/05) Aetna Life and Disability The streamlined Life and Disability package includes a range of flat dollar insurance

More information

Prepare today. Play tomorrow.

Prepare today. Play tomorrow. Prepare today. Play tomorrow. Illinois Life & Disability Plans 14.02.107.1-IL (12/04) Part of any financial plan is protection against life s unexpected events. Aetna s Life and Disability products raise

More information

) Your benefit enrollment is coming soon. What would your family do without your income?

) Your benefit enrollment is coming soon. What would your family do without your income? Term life and AD&D insurance Employee purchase What would your family do without your income? Unum s term life and AD&D insurance can help. Better prepared for the future Jarrod and Amy have two careers,

More information

Your Group Life Insurance Benefits Protecting your greatest asset - your family

Your Group Life Insurance Benefits Protecting your greatest asset - your family Page 1 of 6 Engility Corporation Full-Time Basic and Supplemental Term Life and Accidental Death and Personal Loss Coverage (AD&D Ultra ) Benefit Election Period: 10/26/2015 to 11/10/2015 Coverage Effective

More information

Aetna Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance

Aetna Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance Quality health plans & benefits Healthier living Financial well-being Intelligent solutions Aetna Life Insurance and Accidental Death and Personal Loss (AD&PL) Insurance HELPING YOU PRESERVE THE LIFESTYLE

More information

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Lane Community College Basic Term Life Insurance Coverage What would happen to your family

More information

Can I buy coverage and how much will it cost?

Can I buy coverage and how much will it cost? Page 1 of 7 Asbury University - All staff who work 1560 hours annually or faculty members issued a full time faculty contract are eligible for coverage Basic and Insurance Basic and Optional Accidental

More information

Your Group Life Insurance Benefits Protecting your greatest asset - your family

Your Group Life Insurance Benefits Protecting your greatest asset - your family Wabash College - All Full-Time Employees Basic and Basic Accidental Death and Personal Loss Coverage (AD&D Ultra ) Coverage Effective Date: 01/01/2016 Your Group Life Insurance Benefits Protecting your

More information

Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance

Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance Group Optional Life Insurance and Voluntary Accidental Death and Dismemberment Insurance For University of Alaska Employees Standard Insurance Company Group Optional Life Insurance Group Accidental Death

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

Voluntary Term Life and AD&D Insurance

Voluntary Term Life and AD&D Insurance Voluntary Term Life and AD&D Insurance Prepared for the employees of Xavier University Voluntary Term Life Insurance Coverage What would happen to your family if you and your income were gone? - Could

More information

outlined in the conversion brochure which may be requested as needed. Premiums may change at this time.

outlined in the conversion brochure which may be requested as needed. Premiums may change at this time. Basic Term Life and Accident Insurance Overview Prepared for the employees of Ukpeagvik Inupiat Corporation Basic Term Life Insurance Coverage paid by your employer What would happen to your family if

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

Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance:

Monthly Cost for Voluntary Accidental Death & Dismemberment (AD&D) Insurance: UMB Financial Corporation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Voluntary Accidental Death and Dismemberment

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

For more information, please refer to the Product Features and Services section at the end of this booklet.

For more information, please refer to the Product Features and Services section at the end of this booklet. Getting Started Meeting your coverage needs is simple. Review your options by following these easy steps. 1. Determine how much life insurance coverage you may need by using the needs assessment tool on

More information

Voluntary Term Life Benefit Summary

Voluntary Term Life Benefit Summary Policyholder: Linfield College Voluntary Term Life Benefit Summary Effective Date: 04/01/2015 This chart provides you a brief summary of the key benefits of the life coverage available from Principal Life

More information

Financial protection for what matters most

Financial protection for what matters most OAK HARBOR FREIGHT LINES INCORPORATED PO BOX 1469 AUBURN, WA 98071 Don t miss your chance to sign up for this valuable coverage. Enroll by November 30, 2015. Financial protection for what matters most

More information

Voluntary Life Insurance Coverage paid by you

Voluntary Life Insurance Coverage paid by you Voluntary Life Insurance Coverage paid by you Employee All active, full-time U.S. Employees regularly working a minimum of 30 hours per week. Benefit Amount Units of $10,000 to $500,000, not to exceed

More information

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics

Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics Basic & Voluntary Term Life, Basic & Voluntary Personal Accident Insurance Overview Prepared for the employees of Hardy Diagnostics Basic Term Life Insurance Coverage paid by your employer What would happen

More information

MetLife Group Life Insurance

MetLife Group Life Insurance State of Maryland s Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Your Supplemental Term Life Insurance Coverage Options

More information

Participation Requirement: To implement the program, the greater of 20% or five employees must elect coverage.

Participation Requirement: To implement the program, the greater of 20% or five employees must elect coverage. Policyholder: INSURANCE OFFICE OF RAYMOND N. STRICKLAND JR, INC. Group Voluntary Term Life Coverage Effective Date: 3/1/2012 This summary of group voluntary term life coverage from Principal Life Insurance

More information

Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY

Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY Group Voluntary Life and Accidental Death and Dismemberment (AD&D) Insurance FOR ACTIVE MEMBERS OF THE STATE OF NEVADA PUBLIC EMPLOYEES BENEFITS PROGRAM Answers to your questions about coverage from Standard

More information

Group Voluntary Term Life Coverage Effective Date: 3/1/2014

Group Voluntary Term Life Coverage Effective Date: 3/1/2014 Policyholder: GLAHIT - Schreiner University Group Voluntary Term Life Coverage Effective Date: 3/1/2014 This summary of group voluntary term life coverage from Principal Life Insurance Company supplements

More information

You can count on us. Helping you protect and reward quality employees. Aetna Group Life Insurance 26.02.111.1 B (5/09)

You can count on us. Helping you protect and reward quality employees. Aetna Group Life Insurance 26.02.111.1 B (5/09) You can count on us Aetna Group Life Insurance Helping you protect and reward quality employees 26.02.111.1 B (5/09) What you want from Great competitive pricing. Feature-packed benefits and programs.

More information

PERSONAL ACCIDENT INSURANCE

PERSONAL ACCIDENT INSURANCE Who is Eligible for Coverage? PERSONAL ACCIDENT INSURANCE You, the Employee, are eligible for coverage, if you are an active full-time or part-time employee of Hanford Employee Welfare Trust (HEWT) sponsoring

More information

Personal Accident Insurance

Personal Accident Insurance Personal Accident Insurance Developed for the Employees of Texas Association of Business Member Firms 817762 a 06/12 Who Needs Personal Accident Insurance? You do. Accident insurance can help you pay expenses

More information

Protect your family with the right amount of Supplemental Life Insurance

Protect your family with the right amount of Supplemental Life Insurance Protect your family with the right amount of Supplemental Life Insurance You may have a small amount of Basic Life Insurance, but would it be enough to protect your family if something happened to you?

More information

Group Term Life and AD&D Insurance

Group Term Life and AD&D Insurance AIG Benefit Solutions Benefits Brochure Group Term Life and AD&D Insurance A voluntary plan to protect you and your family For the employees of Town of Westford Policies issued by: American General Life

More information

SAMPLE. Term Life and Accident Insurance. ABC Company. Developed for the Employees of

SAMPLE. Term Life and Accident Insurance. ABC Company. Developed for the Employees of Term Life and Accident Insurance Developed for the Employees of ABC Company Protecting Your Family Securing Your Future "As long as you've got your health..." If you're physically healthy, you can work,

More information

Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D)

Basic Term Life and Accidental Death and Dismemberment Insurance (AD&D) Chico Research Foundation Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment

More information

Supplemental Life and AD&D Insurance Benefit Highlights

Supplemental Life and AD&D Insurance Benefit Highlights Supplemental Life and AD&D Insurance Benefit Highlights Benefit Highlights Southern Orthopedic Associates What is supplemental life and AD&D insurance? Am I eligible? When can I enroll? When is it effective?

More information

Monthly Costs for Supplemental Term Life Insurance

Monthly Costs for Supplemental Term Life Insurance Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Monthly Costs for Supplemental Term Life Insurance MetLife offers Supplemental Term life

More information

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance F O R E M P L O Y E E S O F M O N T A N A U N I V E R S I T Y S Y S T E M Answers to your questions about coverage from Standard Insurance Company S T A N D A R D I N S

More information

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today.

GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. GROUP LIFE INSURANCE PROGRAM Group Life Insurance offers future protection for the people who depend on you for financial support today. If you are a regular, full-time employee, the Getty Life Insurance

More information

Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA

Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA Group Voluntary Accidental Death and Dismemberment Insurance FOR EMPLOYEES OF CITY OF WICHITA Answers to your questions about coverage from Standard Insurance Company STANDARD INSURANCE COMPANY About This

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

2014 Life Insurance Guide

2014 Life Insurance Guide 2014 Life Insurance Guide Worldwide Assurance for Employees of Public Agencies www.waepa.org Guide 2014 Life Insurance Guide 2014 Life Insurance Guide Published by, Worldwide Assurance for Employees of

More information

VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE SCOPE OF INSURANCE ELIGIBILITY VOLUNTARY ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE This Voluntary Accident Insurance Plan provides accident coverage 24 hours a day...365 days a year...worldwide...on or

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

For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term Life Insurance

For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term Life Insurance HEALTH Life and disability protection DENTAL VISION LIFE DISABILITY EAP For groups with 51+ employees: Affordable Group Term Life Insurance Short and Long Term Disability Insurance Optional Group Term

More information

Trans$ure SM interest sensitive whole life insurance

Trans$ure SM interest sensitive whole life insurance YOUR FAMILY DESERVES A BETTER TOMORROW Trans$ure SM Underwritten by Transamerica Life Insurance Company, Cedar Rapids, Iowa. 4% guaranteed interest rate and coverage for your eligible family members. Now

More information

Life Insurance & Voluntary AD&D Insurance

Life Insurance & Voluntary AD&D Insurance 30 Life Insurance & Voluntary AD&D Insurance Elective Benefits The Standard Life Insurance Plan Basic and Additional (Supplemental) Life Insurance Group Policy Effective Date January 1, 2012 It s not easy

More information

Group Life Insurance. For Government of the District of Columbia Employees. Answers To Your Questions About Coverage From Standard Insurance Company

Group Life Insurance. For Government of the District of Columbia Employees. Answers To Your Questions About Coverage From Standard Insurance Company Group Life Insurance For Government of the District of Columbia Employees Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

More information

Term Life and Accident Insurance

Term Life and Accident Insurance Term Life and Accident Insurance Developed for the Employees of Hobart and William Smith Colleges 811761 a 06/12 Life Insurance Who Needs Life Insurance? You do. Single or married. Buying your first home

More information

Accidental Death & Dismemberment (AD&D)

Accidental Death & Dismemberment (AD&D) Accidental Death and Dismemberment (AD&D), provides benefits for you or your insured dependents in the event of a covered accident on or off the job which results in loss of life, limbs, use of limbs,

More information

Basic Life Insurance (Employer Paid) Optional Life Insurance (Employee Paid) Voluntary Accidental Death and Dismemberment Coverage (Employee Paid)

Basic Life Insurance (Employer Paid) Optional Life Insurance (Employee Paid) Voluntary Accidental Death and Dismemberment Coverage (Employee Paid) Life Insurance Getting Started Resources Global Professionals Associate Plan Meeting your coverage needs is simple. Review your options by following these easy steps. 1. Determine how much life insurance

More information

Group Life And AD&D Insurance Coverage

Group Life And AD&D Insurance Coverage Group Life And AD&D Insurance Coverage The California State University Standard Insurance Company Group Life Insurance The following is a brief description of some of the coverage highlights for The California

More information

Doctors of BC Critical Illness Insurance

Doctors of BC Critical Illness Insurance Doctors of BC Critical Illness Insurance CI Critical Illness Insurance Have greater control over the impact a serious illness may have on your life. As a doctor, you ve likely witnessed patients trying

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

Group Additional Life Insurance

Group Additional Life Insurance Group Additional Life Insurance For the employees of Montana University System Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

More information

Monthly Cost for Voluntary Accidental Death & Dismemberment (VAD&D) Insurance:

Monthly Cost for Voluntary Accidental Death & Dismemberment (VAD&D) Insurance: The J. Paul Getty Trust Voluntary AD&D Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Voluntary Accidental Death and Dismemberment

More information

Columbus State Community College Life Plan Benefits

Columbus State Community College Life Plan Benefits Columbus State Community College Life Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death

More information

IN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 103

IN THIS SECTION SEE PAGE. Diageo: Your 2015 Employee Benefits 103 Diageo: Your 2015 Employee Benefits 103 Life Insurance and Accidental Death & Dismemberment (AD&D) The Life Insurance and Accidental Death and Dismemberment (AD&D) Plans at Diageo NA provide financial

More information

Group Term Life insurance

Group Term Life insurance Group Term Life insurance www.buymbp.com (518) 785-1900, ext. 243, or (800) 342-4306, ext. 243 Group Term Life Insurance When it comes to protecting the financial security of your loved ones, nothing is

More information

Group Term Life and AD&D Insurance

Group Term Life and AD&D Insurance AIG Benefit Solutions Benefits Brochure Group Term Life and AD&D Insurance A voluntary plan to protect you and your family For the members of NYSPFFA Policies issued by: American General Life Insurance

More information

Term Life and Accident Insurance

Term Life and Accident Insurance Term Life and Accident Insurance 811761 a 06/12 Developed for the Employees of Board of Regents of the University System of Georgia Life Insurance Who Needs Life Insurance? You do. Single or married.

More information

SUMMARY OF BENEFITS. Amount One Times Annual Salary rounded to the next higher $1,000. Minimum Amount $10,000. Maximum Amount $100,000

SUMMARY OF BENEFITS. Amount One Times Annual Salary rounded to the next higher $1,000. Minimum Amount $10,000. Maximum Amount $100,000 Group Life Insurance SUMMARY OF BENEFITS Life and AD&D Sponsored by: University of Dallas Life Amount One Times Annual Salary rounded to the next higher $1,000 Minimum Amount $10,000 Maximum Amount $100,000

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

NCPERS Family Protection Plus

NCPERS Family Protection Plus NCPERS Family Protection Plus Group Decreasing Term Life Insurance For more information or to sign-up for the plan, please visit www.ncpersfamilyprotection.com OPEN ENROLLMENT CONTINUES THROUGH NOVEMBER

More information

Aflac Life Solutions. Whole Life Insurance. We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years.

Aflac Life Solutions. Whole Life Insurance. We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years. Aflac Life Solutions Whole Life Insurance We ve been dedicated to helping provide peace of mind and financial security for nearly 60 years. A68175FL IC(12/13) Aflac LIFE SOLUTIONS WHOLE LIFE INSURANCE

More information

Town of Mansfield 6 Park Row, Mansfield, Massachusetts 02048

Town of Mansfield 6 Park Row, Mansfield, Massachusetts 02048 Town of Mansfield 6 Park Row, Mansfield, Massachusetts 02048 FREQUENTLY ASKED QUESTIONS (FAQ s) Life Insurance Programs (1) Life Insurance (Referred to as the Basic Life Insurance Program ) (See the Summary

More information

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Westminster College Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Westminster College Life Benefit Employee Spouse Dependent Amount Choice of

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

Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT

Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT Group Additional Life and Accidental Death and Dismemberment (AD&D) Insurance FOR EMPLOYEES OF DOUGLAS COUNTY SCHOOL DISTRICT Answers to your questions about coverage from Standard Insurance Company STANDARD

More information

Your Group Life Insurance Benefits Protecting your greatest asset - your family

Your Group Life Insurance Benefits Protecting your greatest asset - your family Page 1 of 6 Basic and Supplemental Term Life Basic and Supplemental Accidental Death and Personal Loss Coverage (AD&D Ultra ) Your Group Life Insurance Benefits Protecting your greatest asset - your family

More information

Summary of Coverage. Washington Technology Industry Association Employee Benefit Trust

Summary of Coverage. Washington Technology Industry Association Employee Benefit Trust Your Group Plan Life Insurance, Dependents Supplemental Life Insurance, Accidental Death and Personal Loss and Supplemental Accidental Death and Personal Loss-$30,000 Option Summary of Coverage Employer:

More information

The Need for Life Insurance

The Need for Life Insurance United of Omaha Life Insurance Company Companion Life Insurance Company The Need for Life Insurance Life insurance is a simple answer to a very difficult question: How will my loved ones manage financially

More information

YOUR PERSONAL ACCIDENT INSURANCE PLAN

YOUR PERSONAL ACCIDENT INSURANCE PLAN YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of Knox County Government and Knox County School Board Knox County Government 6CC000 B-12803 04-11 CONTENTS CERTIFICATION PAGE.............................................

More information

Term Life and Accident Insurance

Term Life and Accident Insurance Term Life and Accident Insurance Developed for the Employees of Seattle Pacific University 811761 a 06/12 Life Insurance Who Needs Life Insurance? You do. Single or married. Buying your first home or

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

Group Life Insurance. For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company

Group Life Insurance. For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company Group Life Insurance For Employees of The City of San José (Plan 3 Vantage) Answers To Your Questions About Coverage From Standard Insurance Company About This Booklet This booklet is designed to answer

More information

Wasco County Sheriff Benefits as of January 1, 2008 Policy No. OR 054498 All Employees, except for Safety Officers

Wasco County Sheriff Benefits as of January 1, 2008 Policy No. OR 054498 All Employees, except for Safety Officers All Employees, except for Safety Officers Life and Accidental Death & Dismemberment (AD&D) Basic Life Insurance All employees except for Safety Officers $5,000 Basic AD&D Insurance All employees except

More information

Term Life and Accident Insurance

Term Life and Accident Insurance Term Life and Accident Insurance Developed for the Employees of Associated Universities, Inc. 811761 a 06/12 Life Insurance Who Needs Life Insurance? You do. Single or married. Buying your first home

More information

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University

Your Life, AD&D and Disability Benefits Guide. Enroll Now To Help Secure Your Financial Future. Southern Methodist University Your Life, AD&D and Disability Benefits Guide Enroll Now To Help Secure Your Financial Future Welcome To Your Life, AD&D And Disability Benefits Guide Protect What Matters Most Building a financial safety

More information

2013 Open Enrollment. Richardson Independent School District

2013 Open Enrollment. Richardson Independent School District Richardson Independent School District 2013 Open Enrollment Supplemental Term Life Insurance Short Term & Long Term Disability Accidental Death & Dismemberment When is Open Enrollment? Open enrollment

More information

protect The Alberta Teachers Association Group Life + Optional Family Life Insurance Your family depends on you. Help

protect The Alberta Teachers Association Group Life + Optional Family Life Insurance Your family depends on you. Help The Alberta Teachers Association Group Life Optional Family Life Insurance protect Your family depends on you. Help their financial future with additional life insurance. Why do I need additional life

More information

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY

BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY BASIC LIFE AND ACCIDENTAL DEATH & DISMEMBERMENT UNDERWRITTEN BY LIFEWISE ASSURANCE COMPANY This summary of benefits explains the key features of your Group Life and AD&D benef its. The contrac t between

More information

Group Voluntary Life, Accidental Death and Dismemberment and Dependents Life Insurance

Group Voluntary Life, Accidental Death and Dismemberment and Dependents Life Insurance Group Voluntary Life, Accidental Death and Dismemberment and Dependents Life Insurance The Thomas M. Cooley Law School Alumni Association Answers To Your Questions About Coverage From Standard Insurance

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

YOUR GROUP LIFE INSURANCE PLAN

YOUR GROUP LIFE INSURANCE PLAN YOUR GROUP LIFE INSURANCE PLAN For Employees of University System of New Hampshire 6CC000 Class I B-12270 11-12 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

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

The importance of life insurance

The importance of life insurance The importance of life insurance October 13, 2015 READ AND DELETE For best results with this template, use PowerPoint 2003 Why is life insurance so important? Even though we practice safety in everything

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

Summary Plan Description

Summary Plan Description 1199SEIU National Benefit Fund for Home Care Employees Summary Plan Description of Your Health and Welfare Benefits SECTION IV LIFE INSURANCE BENEFIT Home Care members were not eligible for a Life Insurance

More information

LOOK AT THESE FACTS. Accidental Death & Dismemberment Protection. There s a need for Accidental Death & Dismemberment Protection!

LOOK AT THESE FACTS. Accidental Death & Dismemberment Protection. There s a need for Accidental Death & Dismemberment Protection! Accidental Death & Dismemberment Protection There s a need for Accidental Death & Dismemberment Protection! LOOK AT THESE FACTS National Safety Council s 2002 Injury Facts makes it clear Accidents are

More information

Introducing the AMA-sponsored Student Insurance Program

Introducing the AMA-sponsored Student Insurance Program Introducing the AMA-sponsored Student Insurance Program Term Life Insurance If you should die Your loved ones would receive $25,000 or $50,000. Spouse Term Life coverage is also available. Benefits double

More information

YOUR PERSONAL ACCIDENT INSURANCE PLAN

YOUR PERSONAL ACCIDENT INSURANCE PLAN YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of City of Fort Smith 6CC000 B-13292 (1-12) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................

More information

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS

Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Voluntary Life Insurance with Accidental Death and Dismemberment (AD&D) SUMMARY OF BENEFITS Sponsored by: Lane Community College Life Benefit Employee Spouse Dependent Amount Choice of $10,000 increments

More information

Business Travel Accident Insurance Business Travel Accident at a Glance Who's Eligible for Business Travel Accident

Business Travel Accident Insurance Business Travel Accident at a Glance Who's Eligible for Business Travel Accident Business Travel Accident Insurance Business Travel Accident at a Glance 1) The Teradyne Business Travel Accident (BTA) Insurance Plan covers you when you are travelling on company business. Any benefits

More information

City of Frisco Policy # 94716

City of Frisco Policy # 94716 Flex Coverage Highlights City of Frisco Policy # 94716 Please read carefully the following description of your Unum Term Life and AD&D insurance plan. Your Plan Eligibility All active full time Benefit

More information

Voluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company

Voluntary Accidental Death and Dismemberment Insurance. Answers to your questions about coverage from Standard Insurance Company Voluntary Accidental Death and Dismemberment Insurance F O R E M P L O Y E E S O F K E N T S TAT E U N I V E R S I T Y Answers to your questions about coverage from Standard Insurance Company S TA N D

More information

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN

YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Louisana Sheriffs Association 6CC000 B-15023 (09-14 DRAFT) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE

More information

Insurance Program For School Board Members and Their Families. Travel Accident. Travel Accident

Insurance Program For School Board Members and Their Families. Travel Accident. Travel Accident Property-Casualty Excess Liability School Leaders Legal Liability Program Owner Controlled Insurance Program (OCIP) Workers Compensation Student/Athlete Coverage Volunteer Risk Management Program Safety

More information

Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future.

Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. MetLife Voluntary Life Insurance Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Basic Term Life and Accidental Death and Dismemberment

More information