1 PLAN DESCRIPTION for the Members of WORLDWIDE ASSURANCE FOR EMPLOYEES OF PUBLIC AGENCIES, INC. Underwritten by LIFE INSURANCE COMPANY OF NORTH AMERICA Philadelphia, Pennsylvania. A Stock Insurance Company, herein referred to as We, Our, or Us This Plan Description describes Your benefits available to You and Your eligible Dependents. All benefits are subject to the Limitations and Exclusions shown in the Description of Benefits. A person may be insured only once under the policy. LIFE INSURANCE Benefit Levels for Members and Associates Members Level 1 $ 25,000 Level 16 $400,000 Level 2 Level 3 $ 50,000 $ 75,000 Level 17 Level 18 $425,000 $450,000 Level 4 $100,000 Level 19 $475,000 Level 5 Level 6 $125,000 $150,000 Level 20 Level 21 $500,000 $525,000 Level 7 $175,000 Level 22 $550,000 Level 8 Level 9 $200,000 $225,000 Level 23 Level 24 $575,000 $600,000 Level 10 $250,000 Level 25 $625,000 Level 11 $275,000 Level 12 $300,000 Level 26 Level 27 $650,000 $675,000 Level 13 $325,000 Level 28 $700,000 Level 14 $350,000 Level 15 $375,000 Level 29 Level 30 $725,000 $750,000 DESCRIPTION OF BENEFITS You are eligible to apply to increase Your existing Member or Associate Member coverage if You are less than age 65 and currently insured under levels 1 to 29. Coverage is available in $25,000 increments from $25,000 to $750,000. Benefit Levels for Dependent Spouse/Domestic Partner Benefit Levels for Dependent Children Level Spouse Amount Level Live birth but less than 2 years 1 2 years but less than 5 years 5 years to 19 years* 1 $10,000 1 $1,000 $2,000 $2,500 2 $20,000 2 $2,000 $4,000 $5,000 3 $30,000 3 $3,000 $6,000 $7,500 4 $40,000 4 $4,000 $8,000 $10,000 5 $50,000 5 $5,000 $10,000 $12,500 6 $60,000 6 $6,000 $12,000 $15,000 7 $70,000 7 $7,000 $14,000 $17,500 8 $80,000 8 $8,000 $16,000 $20,000 9 $90,000 9 $9,000 $18,000 $22, $100, $10,000 $20,000 $25, $110, $120, $130, $140, $150, $160, $170, $180, $190,000
2 20 $200, $210, $220, $230, $240, $250,000 You are eligible to apply to increase Your existing spouse/domestic partner Dependent coverage if You are less than age 65 and currently insured under levels 1 to 24. Coverage is available in $10,000 increments from $10,000 to $250,000. Dependent spousal coverage is limited to a maximum of 50% of the Member or the Associate Member coverage. Dependent children benefits are at the same Benefit Levels as the Dependent Spousal/D/P Coverage levels. Levels 1 to 25 can be selected in the absence of Dependent Spousal/D/P coverage. * To age 26 if unmarried, and primarily supported by the Member or the Associate Member. Death Benefit If You or any covered Dependent die, We pay the coverage amount in force on Your date of death. Terminal Illness Benefit We will pay a Terminal Illness Benefit equal to 25% to 50% of the Death Benefit, provided We receive: (1) the written diagnosis and prognosis by two physicians licensed to practice in the United States; and (2) supportive evidence satisfactory to Us, including but not limited to radiological, histological or laboratory reports documenting Your or any covered Dependent s Terminal Illness. We may require, at Our expense, You or Your covered Dependent examination and a review of the documented evidence by a physician of Our choice. Limitations The amount paid will be reduced by any amount You or Your Dependents received under the Terminal Illness Benefit. The Terminal Illness Benefit is payable only once in Your or Your Dependents lifetime. Notice Benefits paid under the Terminal Illness provision will reduce the Death Benefit payable for life insurance. Benefits payable under the Terminal Illness Benefit may be taxable. If so, You or Your beneficiary may incur a tax obligation. As with all tax matters, You should consult with a personal tax advisor to assess the impact of this benefit. Terminal Illness is not payable if life insurance coverage under the Policy is not in force. In addition, Your Member or Associate Member benefit will reduce when You reach the age for the level of coverage shown below: Level 1: Age 80 $ 12,500 Levels 2: Age 75 - $ 25,000 Levels 3 & 4: Age 70 - $ 50,000 Age 75 - $ 25,000 Levels 5 to 8: Age 65 - $100,000 Age 70 - $ 50,000 Age 75 - $ 25,000 Levels 9 to 12: Age 60 - $200,000 Age 65 - $100,000 Age 70 - $ 50,000 Age 75 - $ 25,000 Levels 13 to 29: Age 60 - $250,000 Age 65 - $125,000 2
3 Age 70 - $ 75,000 Age 75 - $ 50,000 Age 80 - $ 25,000 In addition, Your Spouse/D/P benefit will reduce when You reach the age for the level of coverage shown below: Levels 3 to 5: Levels 6 to 15: Age 70 $ 20,000 Age 60 $ 50,000 Age 70 $ 20,000 Levels 16 to 25: Age 60 $120,000 Age 65 $ 60,000 Age 70 $ 30,000 ACCIDENT INSURANCE FOR MEMBER OR ASSOCIATE MEMBER Levels Level 1 $ 5,000 Level 16 $ 80,000 Level 2 $ 10,000 Level 17 $ 85,000 Level 3 Level 4 $ 15,000 $ 20,000 Level 18 Level 19 $ 90,000 $ 95,000 Level 5 $ 25,000 Level 20 $100,000 Level 6 Level 7 $ 30,000 $ 35,000 Level 21 Level 22 $105,000 $110,000 Level 8 $ 40,000 Level 23 $115,000 Level 9 $ 45,000 Level 10 $ 50,000 Level 24 Level 25 $120,000 $125,000 Level 11 $ 55,000 Level 26 $130,000 Level 12 $ 60,000 Level 13 $ 65,000 Level 27 Level 28 $135,000 $140,000 Level 14 $ 70,000 Level 29 $145,000 Level 15 $ 75,000 Level 30 $150,000 We will pay benefits for any of the covered losses listed below, if You are insured under the Policy for Accident Insurance on the date of the covered Accident. The loss must: 1. be a result of bodily Injuries caused directly, and from no other causes, by a covered Accident; and 2. occur within 365 days of the covered Accident. Accidental Death and Dismemberment Benefit for Member or Associate Member If You suffer a covered loss, We will pay the Benefit Amount shown below for that loss. If multiple losses occur, only one Benefit Amount, the largest, will be paid for all losses due to the same covered Accident. Any loss of Life benefit will be reduced by any paid or payable Accidental Dismemberment benefit. However, if such Accidental Dismemberment benefit equals or exceeds the Loss of Life benefit, no additional benefit will be paid. Schedule of Covered Losses Covered Loss Benefit Amount Life. The Principal Sum Both Hands.The Principal Sum Both Feet The Principal Sum Entire Sight of Both Eyes The Principal Sum One Hand.One-Half the Principal Sum One Foot..One-Half the Principal Sum Entire Sight of One Eye.. One-Half the Principal Sum Loss of hand or foot means complete Severance through or above the wrist or ankle joint. Loss of sight means the total, permanent loss of sight of the eye. The loss of sight must be irrecoverable by natural, surgical or artificial means. Severance means the complete separation and dismemberment of the part from the body. 3
4 Limitations In addition, Your Accidental Death and Dismemberment benefit will reduce when You reach 60 years of age for the level of coverage shown below: Levels 9 to 12: $40,000 Level 13 to 30: $50,000 You are not eligible for the Accidental Death and Dismemberment Benefit and Common Carrier Accident Benefit, if You are 65 years of age or older. Common Carrier Accident Benefit for Member and Associate Member Levels Level 1 $ 10,000 Level 16 $160,000 Level 2 $ 20,000 Level 17 $170,000 Level 3 Level 4 $ 30,000 $ 40,000 Level 18 Level 19 $180,000 $190,000 Level 5 $ 50,000 Level 20 $200,000 Level 6 Level 7 $ 60,000 $ 70,000 Level 21 Level 22 $210,000 $220,000 Level 8 $ 80,000 Level 23 $230,000 Level 9 $ 90,000 Level 10 $100,000 Level 24 Level 25 $240,000 $250,000 Level 11 $110,000 Level 26 $260,000 Level 12 $120,000 Level 13 $130,000 Level 27 Level 28 $270,000 $280,000 Level 14 $140,000 Level 29 $290,000 Level 15 $150,000 Level 30 $300,000 We will pay the Common Carrier Accident Benefit, if You suffer any one of the covered losses shown in the Accidental Death and Dismemberment Benefit that result directly and independently of all other causes from, a covered Accident, that occurs while riding as a fare-paying passenger in, or being struck by, a Common Carrier. Riding includes getting into and out of the Common Carrier. Definition Common Carrier means: 1. a public conveyance, such as but not limited to a bus, ship, train, or aircraft licensed for hire to carry fare-paying passengers; or 2. a transport aircraft operated by the Air Mobility Command of the United states of America or a similar air transport service of another country. Limitations In addition, Your Common Carrier Benefit will reduce when You reach 60 years of age for the level of coverage shown below: Levels 9 to 12: $80,000 Levels 13 to 30: $100,000 You are not eligible for the Accidental Death and Dismemberment Benefit and Common Carrier Accident Benefit, if You are 65 years of age or older. LIFE INSURANCE EXCLUSIONS If You or Your covered Spouse/Domestic Partner commits suicide, while sane or insane, within 2 years from the date insurance under the Policy becomes effective, or the date the coverage is increased, the Life Insurance Benefits will be limited to a refund of the premiums paid on Your or Your Dependent s behalf. 4
5 If a Dependent Child commits suicide within 2 years from the date Your insurance under the policy becomes effective, or the date the dependent coverage was increased and is survived by other Dependent Children under the same certificate, no refund of premiums will be made. ACCIDENT INSURANCE We will not pay Accident Insurance benefits for a loss that results, directly or indirectly, from any of the following circumstances. 1. suicide, attempted suicide, or whenever You Injure yourself on purpose. 2. voluntary self-administration of any drug or chemical substance not prescribed by, and taken according to the directions of, a doctor. (Accidental ingestion of a poisonous substance is not excluded.). 3. sickness, disease or bodily infirmity; medical or surgical treatment; or bacterial or viral infection, no matter how contracted. (This does not include bacterial infection that is the natural and foreseeable result of an accidental bodily Injury or accidental food poisoning.). 4. war or any act of war, whether or not declared. 5. commission of or Active Participation in a riot or Terrorist Act. 6. commission of a felony. 7. aviation or travel or flight (including getting in or out, on or off) in any aircraft or device which can fly above the earth's surface if A. the aircraft or device is being used: 1) for test or experimental purposes; or 2) by or for any military authority. (Aircraft flown by the U.S. Military Airlift Command (MAC) or similar service of another country are not excluded); or 3) for travel, or is designed for travel, beyond the earth's atmosphere; or (This exclusion applies whether the aircraft or device is owned, leased, operated or controlled as defined); or B. You are: 1) serving as a pilot or crew member (or student taking a flying lesson) and is not riding as a passenger; or 2) hang-gliding; or 3) parachuting, except where the You have to make a parachute jump for self-preservation. Owned Aircraft means an aircraft to which You hold legal or equitable title. You can use, alter or sell the property as desired. "Leased Aircraft" means an aircraft You do not own. You may use the aircraft as desired for the term of the written lease. The time of the lease must be longer than a few days or one or two trips. You cannot alter or sell the aircraft without the consent of the owner. Operated or Controlled Aircraft means an aircraft You do not own, but is leased, rented or borrowed for more than 10 straight days. You can use it as desired, but cannot alter or sell the aircraft without consent of the owner. Chartered Aircraft means an aircraft You do not own. It will be hired for one purpose or one trio or for general use. The time You have it may not exceed 10 straight days nor more than 15 days in any one year. One or more aircraft hired on a regular or frequent basis are not chartered. 8. an Injury for which You are entitled to benefits from Worker's Compensation or occupational disease law; an Injury that is work related. 9. an Injury that is the result of Your being intoxicated (intoxication shall be determined according to the laws of the jurisdiction in which the Injury occurred). 10. an Injury caused by/due to prolonged exposure to dangerous substances, cumulative trauma, or repetitive motion. 11. an Injury while doing police duty as a member of a military organization. DEFINITIONS Accident means an Accident is a sudden unforeseeable external event that causes bodily injury to You while coverage is in force under the Policy. Dependent includes the following persons: "Domestic Partner" where available means a person of the same or opposite sex, who meets all of the following criteria: 1. he or she shares Your permanent residence; 2. he or she has resided with You continuously for at least one year and is expected to continue to reside with You indefinitely; 3. he or she is financially interdependent with You in each of the following ways: a. they hold one or more credit or bank accounts, including a checking account, as joint owners; b. they own or lease their permanent residence as joint tenants; c. the Domestic Partner has named or is named by You as a beneficiary of life insurance or under a will; d. they have each agreed in writing to assume financial responsibility for the welfare of the other; 4. they have signed a domestic partner declaration with You, if You reside in a jurisdiction that provides for domestic partner declarations; 5. neither of them have signed a domestic partner declaration with any other person within the last 12 months; 5
6 6. neither of them is less than 18 years of age; 7. neither of them is currently legally married to any other person; 8. neither of them is a blood relative any closer than would prohibit legal marriage. Dependent Child means a member s unmarried child who is: 1. Live Birth, but less than 19 years old; or more years old, but less than 26 years old and primarily supported by the Member; or or more years old and primarily Supported by the Member and incapable of self-sustaining employment by reason of mental or physical handicap. Proof of the child's condition and dependence must be submitted to Us within 31 days after the date the child ceases to qualify as a Dependent for the reasons listed above. During the next two years We may, from time to time require proof of the continuation of such condition and dependence. After that, We may require proof no more than once a year. Spouse means Your current legal spouse or former spouse. Injury means any bodily harm which results directly or indirectly of all other causes from an Accident. All injuries sustained in one Accident, including all related conditions and recurring symptoms of the Injuries will be considered one Injury. Principal Sum means the amount of Insurance in force for You. Terminal Illness means You or any covered Dependent has a prognosis of 12 months or less to live, as diagnosed by a physician. You or Your means the member of Worldwide Assurance for Employees of Public Agencies, Inc. WHEN COVERAGE BEGINS Your coverage will be effective on the date We receive Your completed Application and You provide any required evidence of insurability satisfactory to Us, and We receive the initial premium payment. WHEN COVERAGE ENDS Your coverage will end on the earliest of: 1. the date the Policy is terminated by Us; 2. the date You are no longer a member of Worldwide Assurance for Employees of Public Agencies, Inc.; 3. the day after the end of the period for which premiums are paid; 4. the date You enter into the armed forces of any country at war, including the United States, whether declared or undeclared, unless You are an activated member of the Reserves or national Guard components of the armed forces and You are not considered to be a member of the armed forces on a full-time basis; 5. for purposes of Life Insurance and Terminal Illness Benefits, a. the date You become 85 years of age/or; b. the date Your Spouse/Domestic Partner becomes 85 years of age. 6. the date Your Dependent is no longer an eligible Dependent 7. for purposes of Accident Insurance, the date You become 65 years of age. CONVERSION PRIVILEGE FOR LIFE INSURANCE You or any covered Dependent may convert all or any portion of your Life Insurance under the Policy if: 1. You or Your Dependent is no longer in an eligible; 2. the Policy is terminated; 3. Your or Your Dependent Spouse s insurance is reduced based on attained age, or a change in class. (In this case, the member may convert the amount of the reduction.) 4. For Dependent Spouse/Domestic Partner, the dissolution of marriage/domestic partnership; or 5. Your Dependent Child attains the maximum age. 6
7 To apply for conversion insurance, within 31 days after coverage under the policy ends, You and any covered dependent must: (1) submit an application to Us, and (2) pay the required premium. No medical examination is required under the policy. Conversion coverage will become effective on the 31st day after the date coverage under the Policy ends, provided: (a) the application has been received by Us; and (b) the required premium has been paid. The Insured is only eligible for one Conversion Privilege with Us. QUESTIONS? For assistance in completing Your application, call toll-free during weekdays from 9 a.m. to 5 p.m. Eastern time. This Plan Description is a brief description of the important features of the insurance plan. It is not a contract of insurance. The terms and conditions of coverage are set forth in the Policy, AGL-1203, issued to the Worldwide Assurance for Employees of Public Agencies, Inc under policy form TL (WP) in Virginia. The policy is subject to the laws of the state in which it was issued. Coverage may not be available in all states or certain terms and conditions may be different if required by state law. Please keep this material as a reference. waepa.pd
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
Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT INTRODUCTION Life Insurance and Accidental Death & Dismemberment
VII. Life & Accident Insurance Programs Table of Contents About This Section...1 An Overview of the Life and Accident Insurance Programs...2 How Benefits Are Paid...2 Basic Life Insurance...3 Imputed Income...3
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
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
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
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
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
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
GROUP INSURANCE CERTIFICATE STANDARD INSURANCE COMPANY certifies that you will be insured under the Group Policy described below during the time, in the manner, and for the amounts provided in the Group
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...
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
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Howard University and Howard University Hospital D.B.A. Howard University, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED
Life and Accident Insurance Honda offers basic life and accident insurance and business travel insurance benefits for you or your survivors in the event of your accidental death or serious injury. Table
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
Group Life and AD&D Plan TABLE OF CONTENTS (Click on any item below to go to that section) Introduction Group Life and AD&D Overview Life Insurance Optional Life Insurance Dependent Life Insurance Proof
A benefit of your Bar Association membership! Middlesex County Bar Association Group Term Life Plan Affordable Term Life Insurance available to eligible attorneys as a benefit of your membership. 0239013-00001-00
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
Trucking Industry Passenger Accident Insurance Program Whether you are a single rig owner-operator or a motor carrier with hundreds of units, most truckers have the same concern when it comes to non-employee
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
IN THIS SECTION: Basic Life Insurance Personal Accident Insurance Optional Life Insurance Plan Provider: Underwritten by Metropolitan Life Insurance Company (MetLife). The School District of Palm Beach
YOUR GROUP LIFE INSURANCE PLAN Account 2 6CC000 B-5172 7-13 (300) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
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
Group Basic Life and AD&D Insurance City & County of Denver S T A N D A R D I N S U R A N C E C O M P A N Y City & County of Denver Group Basic Life and AD&D Insurance WHAT ARE MY BASIC LIFE AND AD&D BENEFITS?
Frequently Asked Questions 1. Who is eligible? All AAD members in good standing who are under age 65 are eligible to enroll for this plan. If the Family Plan is selected, you may also enroll your lawful
YOUR GROUP LIFE INSURANCE PLAN For Employees of Warehouse Employees Union Local No. 730 Health & Welfare Trust Fund ReliaStar Life Insurance Company P.O. Box 20 Minneapolis, MN 55440-0020 B-13577 B-13577
43 Life and AD&D Coverage Options Life Insurance Options Life insurance pays benefits if you die or if a dependent dies while covered by the plan. Adequate life insurance can provide important financial
YOUR GROUP LIFE INSURANCE PLAN For Employees of Hendricks Community Hospital 6CC000 B-11654 (50) 10-08 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
2014-2015 Intercollegiate Sports Injury Only Insurance Plan Designed Especially for the State of Washington and Northwest Athletic Association of Community Colleges Policy # US079653 NWAA15 Intercollegiate
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
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
YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Etiwanda School District 6CC000 CSEBA Account 33 B-14973 6-14 Elec CONTENTS OUTLINE OF COVERAGE........................................... 1
NORTHERN NEW ENGLAND BENEFIT TRUST LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE LF6 PLAN UNION PERSONNEL LIFE INSURANCE ACCIDENTAL DEATH AND DISMEMBERMENT Life Insurance Benefit LF6 All Active
McMaster University Voluntary Accidental Death & Dismemberment Insurance (AD&D) CHUBB Insurance Company of Canada Policy #6477 45 51-04 CHUBB Insurance Company of Canada SCOPE OF INSURANCE This Voluntary
METROPOLITAN LIFE INSURANCE COMPANY NEW YORK, NEW YORK POLICYHOLDER: Group Policy Form No: GPNP12-AX (Referred to as the Group Policy ) Certificate Form No: GCERT12-AX (Referred to as the Certificate )
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,
YOUR GROUP LIFE INSURANCE PLAN 6CC000 B-13995 3-13 (Elec) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS........................................... 2 Life
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA Health Science Campus - Life Insurance GROUP POLICY NUMBER - 234782-001 BOOKLET EFFECTIVE DATE - January 1, 2014 BOOKLET AMENDMENT
BCS Life Insurance Company Oakbrook Terrace, Illinois MENNONITE CHURCH USA NAB 7901 CERTIFICATE OF INSURANCE GROUP TERM LIFE This Certificate of Insurance is evidence of the Insured s insurance under the
NEW PROGRAM EFFECTIVE 1/1/2015 AOPA ACCIDENTAL DEATH & DISMEMBERMENT (AVIATION INCLUDED) INSURANCE CERTIFICATE NO-COST BENEFIT FOR PARTICIPATING MEMBERS (100) RELIASTAR LIFE INSURANCE COMPANY CERTIFICATE
GROUP ACCIDENTAL DEATH AND DISMEMBERMENT CERTIFICATE OF INSURANCE Minnesota Life Insurance Company 400 Robert Street North St. Paul, MN 55101-2098 (Referred to in this Certificate as we, us, our) We issue
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
YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS Tooele City Corporation All Eligible Full-Time Regular Active Employees IMPORTANT INFORMATION THIS IS A NONPARTICIPATING POLICY PLEASE READ
YOUR GROUP LIFE INSURANCE PLAN For Participants in the Full Retirement Plan of St. Norbert College 6CC000 B-11196 9-07 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE
Earning for Today and Saving for Tomorrow Basic Life Insurance Plan inspiring possibilities In This Summary Certification Page...3 Schedule of Benefits...4 Life Insurance, Accidental Death and Dismemberment
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
YOUR GROUP LIFE INSURANCE PLAN AUTOMOTIVE INDUSTRIES WELFARE FUND SUPPLEMENTAL LIFE INSURANCE $10,000 BENEFIT CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
YOUR GROUP LIFE AND ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS Methodist University Revised May 1, 2013 HOW TO OBTAIN PLAN BENEFITS To obtain benefits see the Payment of Claims provision. Forward your
LIFE AND AD&D DEPENDENT LIFE AND AD&D SHORT-TERM DISABILITY INCOME LONG-TERM DISABILITY INCOME ADMINISTERED BY The Managing Agency Group One Enterprise Drive, Suite 210 Shelton, CT 06484 800-243-2534/local
Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA INTEGRITYOne Partners, Inc. YOUR GROUP LIFE INSURANCE CONTAINS AN ACCELERATED BENEFITS OPTION. RECEIPT OF ACCELERATED BENEFITS
Voluntary Life Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select through your employer. Written in non-technical
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
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
Business Travel Accident Insurance Summary Plan Description Designed specifically for employees of Northern Michigan University This booklet describes the Business Travel Accident Insurance Plan provided
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
YOUR GROUP LIFE INSURANCE PLAN For Members of 6CC000 B-14564 4-15 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
FEATURES USBA Group Level Term Life Insurance Plan USBA s Group Level Term Life plan is simple, flexible and affordable a great way to protect your family s financial future. The rate you ll pay is based
Virginia Polytechnic Institute and State University Voluntary Accidental Death & Dismemberment Insurance GTU 5091373 The following is a brief description of the Voluntary Accidental Death and Dismemberment
LIFE & ACCIDENT INSURANCE CERTIFICATE BOOKLET GROUP INSURANCE FOR MONROE CO COMMUNITY COLLEGE SCHOOL NUMBER 704 TEACHERS The benefits for which you are insured are set forth in the pages of this booklet.
Children s Coverage The Grow-Up Plan is whole life insurance designed for children ages 14 days to 14 years old. Purchased by parents, grandparents, and permanent legal guardians, Gerber Life s Grow-Up
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
Optional Accidental Death And Dismemberment Insurance For Employees Participating In OEBB Plans Standard Insurance Company Optional Accidental Death And Dismemberment Insurance About This Brochure This
City of Albuquerque LIFE INSURANCE ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE EFFECTIVE DATE: July 1, 2005 CN004 Policy No.: FLX-980032 This document printed May 4, 2006 takes the place of any documents
USBA Smart Value 10 Year Group Level Term Life Insurance Plan Life insurance is all about making sure your family s financial future doesn t suffer without you. And the USBA Smart Value 10 Year Group Level
WAEPA WAEPA Term Life Policy / FEGLI Term Life Program Comparison Chart WAEPA Life Comments FEGLI Life Comments Group Participating Yes premium Program refunds available to insureds, as and when declared.
Additional Life and Accidental Death and Dismemberment (AD&D) Insurance Standard Insurance Company has developed this document to provide you with information about the optional coverage you may select
YOUR GROUP LIFE INSURANCE PLAN For Employees of State of South Dakota All Eligible Employees 6CC000 B-14517 (03-15) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF
YOUR GROUP LIFE INSURANCE PLAN LOGO For Active Employees of Independent School District #15 6CC000 B-8575 8-06 E-Book CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE
YOUR GROUP LIFE INSURANCE PLAN For Employees of Five Colleges 6CC000 B-13192 05-12 CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
Life and AD&D Insurance Effective February 1, 2015 TABLE OF CONTENTS Introduction... 2 Life Insurance and AD&D General Provisions... 2 Amount of Coverage and Eligibility Waiting Period... 2 Effective Date
YOUR PERSONAL ACCIDENT INSURANCE PLAN For Employees of City of Fort Smith 6CC000 B-13292 (1-12) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE OF BENEFITS...........................................
USBA Long Term 20 SM Year Group Level Term Life Insurance Plan You ve made the smart decision to protect your family s financial future and we can help you do that with USBA s Long Term 20-Year Group Level
YOUR GROUP PERSONAL ACCIDENT INSURANCE PLAN For Employees of Louisana Sheriffs Association 6CC000 B-15023 (09-14 DRAFT) CONTENTS CERTIFICATION PAGE............................................. 1 SCHEDULE
SPONSOR AND PRESENT THE ALUMNI INSURANCE PLAN GROUP INSURANCE UNDER YOUR PERSONAL CONTROL OPTIONAL ACCIDENTAL DEATH AND DISMEMBERMENT INSURANCE AVAILABLE DEVELOPED and ADMINISTERED by UNDERWRITTEN BY 1
USBA Smart & Learn 15 Year Group Level Term Insurance Plan Life insurance is all about making things easier for your loved ones protecting them from major financial burdens making sure their future doesn
Saudi Arabian Oil Company (Saudi Aramco) U.S. Dollar Payroll Group Life Insurance Plan January 1, 2016 January 1, 2016 GROUP INSURANCE PLAN WHO IS ELIGIBLE... 1 HOW TO PARTICIPATE... 1 COST AND FUNDING...
Life and Accident Coverage Your Life and Accident Insurance benefits are designed to provide financial security for your survivors in the event of your death, and for you, in case of accidental dismemberment,
USBA Double Value TWO for ONE Family Group Level Term Life Insurance Plan Our USBA Double Value TWO for ONE Family Group Level Term Life plan has been our most popular life insurance plan almost from the
Benefits at a Glance for Community College System of New Hampshire Group Policy # 152335 Effective Date January 1, 2011 (Date of last revision: 10/22/13) I. Basic Life and Accidental Death and Dismemberment