Saluting America s Finest

Size: px
Start display at page:

Download "Saluting America s Finest"

Transcription

1 Army m marines m navy m air force m coast guard Saluting America s Finest A guide to life insurance for veterans. Military Benefit Association MBA Military Benefit Association

2 You may have life insurance, but it may not be enough As a veteran, you were eligible for VGLI for a fixed time after you left the service. While VGLI offers affordable coverage, there are limits to policy amounts. And you may want more. Military Benefit Association can provide quality coverage for veterans of up to $250,000. 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 provides 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 $5.25 a month* per $50,000 in coverage. And you can choose your coverage in $50,000 increments up to $250,000. As a veteran, 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 a maximum of $12,500 at no additional charge. And your spouse is eligible for full membership and up to 100% of coverage. Wyoming residents: Dependent spouse coverage may not exceed 50% of insured member coverage. 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 over 50 years we have operated as a non-profit association. *The $5.25 rate is the non-smoker rate for male veterans age for $50,000 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 VGLI. But 45% of those who have life insurance feel they need more. 1 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. VGLI offers only limited coverage for spouses. But MBA offers up to $250,000 in coverage for your spouse. 1 U.S. Life Ownership Study, LIMRA,

5 What you ll get Here are plan highlights of supplemental life insurance from Military Benefit Association: Á Coverage to Age hours a day, anywhere in the world, during times of war and peace. 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. 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 MBA offers up to $250,000 of coverage for your spouse, including all the features listed above. Á Coverage for Your Children If you elect a minimum of 2 units ($100,000) of life insurance, each eligible child will be covered at no extra cost for $2,500 per unit up to a maximum of $12,500. "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 for life insurance coverage $50,000 $250,000 Age up to age Male Female Male Female $4.13 $3.13 $14.00 $10.25 $5.25 $7.00 $9.17 $13.34 $20.83 $4.23 $6.00 $8.17 $9.83 $14.17 $18.52 $24.50 $35.34 $57.83 $86.88 $14.88 $19.50 $32.83 $38.66 $ $25.00 $20.83 $ $ $39.17 $35.00 $ $ $62.50 $51.04 $ $ Rates shown are for non-tobacco using veterans. 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 5

7 Benefit provisions and schedules Member s Death Benefit Number of $50,000 Units Age at death $50,000 2 $100,000 3 $150,000 4 $200,000 5 $250,000 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 70th 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 if you are confined to a hospital, or at home under the care of a physician for any medical reason, or applying to receive disability income from any source 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 70 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: Under age 62, have been honorably discharged from the U.S. Uniformed Services, National Oceanic & Atmospheric Administration, U.S. Public Health Service, and are not retired from any of these. 6

8 Amounts Available As an eligible applicant under age 62, you may apply for life insurance in amounts up to $250,000, in units of $50,000. 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. Family Life Insurance Coverage For only a few dollars extra each month, you can obtain valuable life insurance protection for your dependent spouse of up to 100% of your coverage. (Wyoming residents: Dependent spouse coverage may not exceed 50% of insured Member coverage.) Eligible dependents are your spouse and unmarried dependent children at least 14 days old but under age 21 (age 25 if a full-time student in an accredited school). A spouse or 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. How to apply Complete the Enrollment Application Form Requests for membership and insurance must be approved by MBA and MetLife. Be sure to complete the Enrollment Application Form, front and back. Additional evidence of insurability and/or a medical examination may be required. The maximum coverage available on any one individual under any combination of life insurance coverage through MBA with MetLife is $500,000. Return the Enrollment Application Form You must meet eligibility for membership requirements on the effective date of insurance coverage. Therefore, enrollment application forms must be approved and payment of the first month s premium must be received while you are still eligible. Enrollment application forms should be received at least three months before termination of eligibility Please attach a copy of DD214 or proof of NOAA or USPHS employment. If immediate life insurance coverage is desired upon approval of the application form, you must enclose a check or money order payable to MBA for three months premium. If monthly premiums are to be paid by Electronic Funds Transfer (EFT) from your bank or credit union, please complete and enclose the EFT Authorization form and include a voided check with the enrollment application form. If premium is to be paid by credit card, please complete and enclose the Credit Card Authorization Form. If EFT or credit card is not available to you, a check or money order for your premiums for three months must be included with the enrollment application form. You will be billed quarterly or semi-annually for future premiums. 7

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 or declined 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 is 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 for additional information Metropolitan Life Insurance Company, New York, NY L [exp. 0615][All States][DC] 8

10 Military Benefit Association Helping military families since 1956 Call MBA-1020 or visit militarybenefit.org

Saluting America s Finest

Saluting America s Finest ARMY M NAVY M AIR FORCE M MARINES M COAST GUARD Saluting America s Finest A guide to supplemental life insurance for those who serve. MILITARY BENEFIT ASSOCIATION MBA Military Benefit Association You may

More information

Saluting America s Finest

Saluting America s Finest ARMY M NAVY M AIR FORCE M MARINES M COAST GUARD Saluting America s Finest A guide to supplemental life insurance. You may have life insurance, but it may not be enough As a serviceman or woman, you are

More information

Dependent Term Life Insurance Plan

Dependent Term Life Insurance Plan Dependent Term Life Insurance Plan Lowe s provides the Lowe s Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through MetLife, to help with expenses related to the death

More information

Dependent Life Insurance Plan

Dependent Life Insurance Plan Dependent Life Insurance Plan Lowe's offers the Lowe's Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through MetLife, to help with expenses related to the death of a

More information

Dependent Life Insurance Plan

Dependent Life Insurance Plan Dependent Life Insurance Plan Lowe's offers the Lowe's Dependent Term Life Insurance Plan (the Dependent Term Life Plan Option), insured through Cigna, to help with expenses related to the death of a dependent.

More information

MetLife Supplemental Life Insurance

MetLife Supplemental Life Insurance The Police Association of Connecticut 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

More information

MetLife Supplemental Life Insurance

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

More information

American Association of Orthodontists Endorsed Group Term Life Insurance Plan

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

More information

Commander Navy Installations Command (CNIC) Plan Benefits

Commander Navy Installations Command (CNIC) Plan Benefits Commander Navy Installations Command (CNIC) Plan Benefits MetLife is pleased to help CNIC support its commitment to you and your family with an enhanced life insurance program and enrollment opportunity

More information

McKinney ISD Plan Benefits

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

More information

Group 10-Yr. Level Term Life

Group 10-Yr. Level Term Life Group 10-Yr. Level Term Life Insurance Plan FOR NEW YORK STATE BAR ASSOCIATION MEMBERS, THEIR FAMILIES & EMPLOYEES Why not join the millions of insureds who have chosen to help protect their families with

More information

MetLife Group Life Insurance

MetLife Group Life Insurance The University of North Carolina at Chapel Hill s Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Supplemental Term Life

More information

Group 10-Yr. Level Term Life Insurance for Members of the American Academy of Pediatrics

Group 10-Yr. Level Term Life Insurance for Members of the American Academy of Pediatrics Group 10-Yr. Level Term Life Insurance for Members of the American Academy of Pediatrics Underwritten by New York Life Insurance Company G-29153-0 Whether you re just starting your career and family or

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS Release 16.0.0 YOUR GROUP VOLUNTARY TERM LIFE BENEFITS FOR EMPLOYEES OF: Indian River County Government CLASS(ES): All Eligible Employees EFFECTIVE DATE: October 1, 2014 PUBLICATION DATE: March 2, 2015

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

You never know what can happen on your shift. Is your family financially secure?

You never know what can happen on your shift. Is your family financially secure? You never know what can happen on your shift. Is your family financially secure? Benefits Division Group Life Insurance and Accidental Death Insurance The California State Firefighters Employee Welfare

More information

Enrollment Requirements

Enrollment Requirements Massachusetts Institute of Technology: Supplemental Life Insurance Plan 2016 Open Enrollment Period: October 26 November 6, 2015 MetLife Supplemental Term Life Insurance Coverage For You For Your Spouse/

More information

GROUP TERM LIFE INSURANCE

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

More information

LIFE INSURANCE SUMMARY

LIFE INSURANCE SUMMARY LIFE INSURANCE SUMMARY Your family can count on your paycheck to meet day-to-day expenses while you are actively at work, but it is important to plan for their financial security in the event of your death.

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS Release 16.2.0 YOUR GROUP VOLUNTARY TERM LIFE BENEFITS FOR EMPLOYEES OF: Evolve Bank & Trust CLASS(ES): All Eligible Employees REVISION EFFECTIVE DATE: January 1, 2015 PUBLICATION DATE: February 4, 2015

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

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

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

More information

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

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

More information

Term 90 Plus Life Insurance

Term 90 Plus Life Insurance ARMY M NAVY M AIR FORCE M MARINES M COAST GUARD Term 90 Plus Life Insurance Underwritten by Metropolitan Life Insurance Company (MetLife) MBA_90Plus (0313) Welcome to Military Benefit Association (MBA)

More information

Welcome to Military Benefit Association (MBA)

Welcome to Military Benefit Association (MBA) Underwritten by Metropolitan Life Insurance Company (MetLife) VETERANS PATRIOT TERM LIFE Welcome to Military Benefit Association (MBA) We are a nonprofit organization of military personnel, civilian employees

More information

YOUR GROUP TERM LIFE BENEFITS

YOUR GROUP TERM LIFE BENEFITS YOUR GROUP TERM LIFE BENEFITS FOR EMPLOYEES OF: Indian River County Government CLASS(ES): All Eligible Employees and Retirees EFFECTIVE DATE: October 1, 2014 PUBLICATION DATE: March 2, 2015 NOTICE(S) THIS

More information

THE HARTFORD 1 GUIDE TO. Term Life Insurance

THE HARTFORD 1 GUIDE TO. Term Life Insurance THE HARTFORD 1 GUIDE TO Term Life Insurance 44 percent of U.S. households had individual life insurance as of 2010 a 50-year low. In 1992, 55 percent owned it. In 1960, 72 percent of Americans owned individual

More information

Group Traditional Term Life Insurance Plan

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

More information

Underwritten by Metropolitan Life Insurance Company (MetLife) TERM 90 PLUS LIFE INSURANCE

Underwritten by Metropolitan Life Insurance Company (MetLife) TERM 90 PLUS LIFE INSURANCE Underwritten by Metropolitan Life Insurance Company (MetLife) TERM 90 PLUS LIFE INSURANCE Welcome to Military Benefit Association (MBA) We are a nonprofit organization of military personnel and civilian

More information

January 1, 2009. Optional Life Insurance Plan MMC

January 1, 2009. Optional Life Insurance Plan MMC January 1, 2009 MMC This is an employee-paid group-term life insurance plan that helps you provide for your family s financial security. The Plan pays money to someone you name as your beneficiary if you

More information

MetLife Term Life Insurance

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

More information

Benefits Handbook Date July 1, 2010. Spouse Life Insurance Plan MMC

Benefits Handbook Date July 1, 2010. Spouse Life Insurance Plan MMC Date July 1, 2010 MMC This plan is an employee-paid group term life insurance plan that helps you provide for your family s financial security. The Plan pays money to you if your covered spouse or approved

More information

Portability and Conversion Side by Side. A Simple Way to Compare Your Options.

Portability and Conversion Side by Side. A Simple Way to Compare Your Options. EMPLOYEE GUIDE Group Life and Conversion and Conversion Side by Side. A Simple Way to Compare Your Options. Your group life insurance from The Hartford 1 is valuable financial protection for you and your

More information

YOUR GROUP INSURANCE PLAN BENEFITS

YOUR GROUP INSURANCE PLAN BENEFITS YOUR GROUP INSURANCE PLAN BENEFITS WORKING TODAY The enclosed certificate is intended to explain the benefits provided by the Plan. It does not constitute the Policy Contract. Your rights and benefits

More information

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

hy should you consider purchasing life insurance protection at your workplace? W hy should you consider purchasing life insurance protection at your workplace? Employees find significant value in obtaining non-medical products in their workplace. Many of us lead busy lives and seldom

More information

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

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

More information

YOUR GROUP INSURANCE PLAN BENEFITS

YOUR GROUP INSURANCE PLAN BENEFITS YOUR GROUP INSURANCE PLAN BENEFITS INGHAM INTERMEDIATE SCHOOL DISTRICT CLASS 0001 AD&D, OPTIONAL LIFE, DEPENDENT LIFE, LTD, LIFE, CRITICAL ILLNESS, VOLUNTARY AD&D, ACCIDENT BENEFITS The enclosed certificate

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

U.S. ARMY NAF EMPLOYEE RETIREMENT PLAN

U.S. ARMY NAF EMPLOYEE RETIREMENT PLAN U.S. ARMY NAF EMPLOYEE RETIREMENT PLAN March 2014 INTRODUCTION This booklet is published by the U.S. Army NAF Employee Benefits Office. It is intended to provide you with useful information about the U.S.

More information

Life Insurance. Special Enrollment. For your family s financial future. And your peace of mind. UFS

Life Insurance. Special Enrollment. For your family s financial future. And your peace of mind. UFS Life Insurance UFS Special Enrollment For your family s financial future. For your And family s your peace financial of mind. future. And your peace of mind. Agenda Life Insurance basics Enrollment options

More information

MetLife Term Life Insurance Plan

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

More information

USBA Group Level Term Life Insurance Plan

USBA Group Level Term Life Insurance Plan 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

More information

... ... Guide to Group 10-Year Level Term Life Insurance N S P E ...

... ... Guide to Group 10-Year Level Term Life Insurance N S P E ... Guide to Group 10-Year Level Term Life Insurance Answers to Your Questions About Group 10-Year Level Term Life Insurance What exactly do you mean by 10-Year Level Term? When you buy Level Term life insurance,

More information

Group 10-Year Level Term Life Insurance Plan

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

More information

YOUR GROUP INSURANCE PLAN BENEFITS FAIRLEIGH DICKINSON UNIVERSITY CLASS 0001 AD&D, OPTIONAL LIFE, LTD, LIFE, VOLUNTARY AD&D

YOUR GROUP INSURANCE PLAN BENEFITS FAIRLEIGH DICKINSON UNIVERSITY CLASS 0001 AD&D, OPTIONAL LIFE, LTD, LIFE, VOLUNTARY AD&D YOUR GROUP INSURANCE PLAN BENEFITS FAIRLEIGH DICKINSON UNIVERSITY CLASS 0001 AD&D, OPTIONAL LIFE, LTD, LIFE, VOLUNTARY AD&D The enclosed certificate is intended to explain the benefits provided by the

More information

Group Life Insurance Portability and Conversion

Group Life Insurance Portability and Conversion Group Life Insurance Portability and Conversion Side by Side Employee Guide A simple way to compare your options. Your group life insurance from The Hartford is valuable financial protection for you and

More information

YOUR GROUP TERM LIFE BENEFITS

YOUR GROUP TERM LIFE BENEFITS Release 12.1.0 YOUR GROUP TERM LIFE BENEFITS FOR EMPLOYEES OF: Roanoke College CLASS(ES): All Eligible Employees REVISION EFFECTIVE DATE: January 1, 2014 PUBLICATION DATE: March 25, 2014 NOTICE(S) THIS

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

Association Group Term Life Insurance 10, 15, or 20-Year Level Premium

Association Group Term Life Insurance 10, 15, or 20-Year Level Premium Association Group Term Life Insurance 10, 15, or 20-Year Level Premium New York State Physicians and Their Families Sponsored by: Physicians and Surgeons Insurance Trust ReliaStar Life Insurance Company

More information

Group Term Life Insurance Plan

Group Term Life Insurance Plan STATE BAR OF WISCONSIN Group Term Life Insurance Plan Affordable group term life insurance, approved by the State Bar of Wisconsin as a benefit of your membership. 0232921 STATE BAR OF WISCONSIN Group

More information

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

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

More information

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS

YOUR GROUP VOLUNTARY TERM LIFE BENEFITS Release 12.0.0 YOUR GROUP VOLUNTARY TERM LIFE BENEFITS FOR EMPLOYEES OF: Roanoke College CLASS(ES): All Eligible Employees EFFECTIVE DATE: January 1, 2014 PUBLICATION DATE: December 23, 2013 NOTICE(S)

More information

Group 10-Year Level Term Life Insurance Plan

Group 10-Year Level Term Life Insurance Plan Group 10-Year Level Term Life Insurance Plan The future is unknown are you prepared? 41% of Americans say a life-changing event (marriage, children, buying a home, etc.) prompted them to get life insurance.

More information

Group Term Life Insurance

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

More information

ONLY YOU KNOW WHAT MATTERS MOST

ONLY YOU KNOW WHAT MATTERS MOST ONLY YOU KNOW WHAT MATTERS MOST We re here to help GROUP 20-YEAR LEVEL TERM LIFE INSURANCE PLAN UNDERWRITTEN BY: New York Life Insurance Company We re committed to providing you with quality protection

More information

VOLUNTARY TERM LIFE INSURANCE

VOLUNTARY TERM LIFE INSURANCE UNITED OF OMAHA LIFE INSURANCE COMPANY A MUTUAL a/omaha COMPANY VOLUNTARY TERM LIFE INSURANCE TOLEDO ELECTRICAL WELFARE FUND UGC8920 The Board of Trustees is pleased to announce that all eligible members

More information

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

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

More information

YOUR SUPPLEMENTAL TERM LIFE INSURANCE PLAN

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

More information

50 % ONLY YOU KNOW WHAT MATTERS MOST. We re here to help.

50 % ONLY YOU KNOW WHAT MATTERS MOST. We re here to help. ONLY YOU KNOW WHAT MATTERS MOST We re here to help. GROUP 10-YEAR LEVEL TERM LIFE INSURANCE PLAN UNDERWRITTEN BY: New York Life Insurance Company We re committed to providing you with quality protection

More information

United of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409

United of Omaha Life Insurance Company A Mutual of Omaha Company. voluntary term life insurance. work. for you UGC8914_0409 United of Omaha Life Insurance Company A Mutual of Omaha Company voluntary term life insurance Benefits work that for you UGC8914_0409 Eligibility All full-time employees, who are citizens or permanent

More information

VOLUNTARY GROUP TERM LIFE INSURANCE: GUARANTEED ISSUE:

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

More information

Group Term Life Insurance Plan

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

More information

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

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

More information

Life Insurance Proposal

Life Insurance Proposal Life Insurance Proposal vpl-plus A Voluntary Permanent Life Proposal For the Employees of Presented By Issued By: Metropolitan Life Insurance Company New York, NY 10166 Life Insurance Administrative Office

More information

Coverage You Can Rely On

Coverage You Can Rely On Coverage You Can Rely On ILLINOIS COMMUNITY COLLEGE CONSORTIUM Supplemental Term Life and Supplemental AD&D Insurance Voluntary benefits. So important. Great news! Your employer is offering you the opportunity

More information

MetLife Group Life Insurance

MetLife Group Life Insurance The University of North Carolina at Chapel Hill s Plan Benefits Explore the coverage that makes it easy to give yourself and your loved ones more security today and in the future. Supplemental Term Life

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA 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

More information

10% 31.5% ASCE Group Term Life Insurance. Rate Decrease as of September 1, 2014 ASCE MEMBER INSURANCE PROGRAM

10% 31.5% ASCE Group Term Life Insurance. Rate Decrease as of September 1, 2014 ASCE MEMBER INSURANCE PROGRAM ASCE MEMBER INSURANCE PROGRAM ASCE Group Term Life Insurance 10% Rate Decrease as of September 1, 2014 Student loans. New car. Mortgage. Childcare. Bank loans. Do you have these financial responsibilities?

More information

Egyptian Area Schools term life insurance program

Egyptian Area Schools term life insurance program FOR GROUP BENEFITS EduBenefit Egyptian Area Schools term life insurance program Supplemental group term life insurance SM Help secure their futures You can help make sure your loved ones can continue to

More information

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

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

More information

USBA Double Value TWO for ONE Family Group Level Term Life Insurance Plan

USBA Double Value TWO for ONE Family Group Level Term Life Insurance Plan 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

More information

Earning for Today and Saving for Tomorrow. Optional Life Insurance. inspiring possibilities

Earning for Today and Saving for Tomorrow. Optional Life Insurance. inspiring possibilities Earning for Today and Saving for Tomorrow Optional Life Insurance inspiring possibilities In This Summary Optional Life Insurance Plan Summary...2 Plan Highlights...3 Eligibility...4 For You For Your Eligible

More information

GROUP 10-YEAR LEVEL TERM LIFE INSURANCE

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

More information

USBA Smart Value 10 Year Group Level Term Life Insurance Plan

USBA Smart Value 10 Year Group Level Term Life Insurance Plan 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

More information

YOUR GROUP TERM LIFE BENEFITS

YOUR GROUP TERM LIFE BENEFITS Release 11.0.2 YOUR GROUP TERM LIFE BENEFITS FOR EMPLOYEES OF: The School Board of Broward County, Florida CLASS(ES): All Eligible Active Paraprofessionals All Other Eligible Active Employees EFFECTIVE

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

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

TERM 90 LIFE INSURANCE FOR SPONSORED SPOUSE MEMBERS

TERM 90 LIFE INSURANCE FOR SPONSORED SPOUSE MEMBERS Underwritten by Metropolitan Life Insurance Company (MetLife) TERM 90 LIFE INSURANCE FOR SPONSORED SPOUSE MEMBERS Welcome to Association (MBA) of military personnel and civilian employees of the United

More information

Extra Protection For Your Family

Extra Protection For Your Family MINNES O T A * Note The acceleration of life insurance benefits offered under this certificate is intended to qualify for favorable tax treatment under the Internal Revenue Code of 1986, IRC Section code

More information

Group Term Life Insurance Plan

Group Term Life Insurance Plan STATE BAR OF WISCONSIN Group Term Life Insurance Plan Affordable group term life insurance, approved by the State Bar of Wisconsin as a benefit of your membership. 0232921 STATE BAR OF WISCONSIN Group

More information

SMHomeCertain SM. Insurance if You Need it Assurance if You Don t. Consumer Brochure

SMHomeCertain SM. Insurance if You Need it Assurance if You Don t. Consumer Brochure SMHomeCertain SM Insurance if You Need it Assurance if You Don t Consumer Brochure FIDELITY AND GUARANTY LIFE INSURANCE COMPANY ADLF 3077 (05-2000) TX Rev. 05-2004 What can be used to pay off your mortgage

More information

Employee Life Insurance

Employee Life Insurance Employee Life Insurance F Introduction F-2 Who Is Eligible F-3 Employee Eligibility F-3 If Your Eligible Spouse Is Also a Company Employee or Retiree F-4 Dependent Eligibility F-4 How to Enroll, Change

More information

Extra Protection For Your Family

Extra Protection For Your Family MINNESOTA Extra Protection For Your Family Group Decreasing Term Life Insurance National Conference on Public Employee Retirement Systems The Prudential Insurance Company of America 0203197 Ed. 0214 The

More information

Why choose the Compass Rose Group Term Life Insurance Plan?

Why choose the Compass Rose Group Term Life Insurance Plan? GROUP LIFE E-Z APPLICATION FORM Upon Completion Mail To: 1768 Business Center Dr. Suite 3500 Term Life Insurance Request for Group Insurance Form: Service. Your Term Life protection is administered by,

More information

Term Life Insurance for Individuals. LifeEssentials Valuable Protection for You and Your Family

Term Life Insurance for Individuals. LifeEssentials Valuable Protection for You and Your Family Term Life Insurance for Individuals LifeEssentials Valuable Protection for You and Your Family Sound, Flexible Coverage from the Company You Know and Trust. Smart, customized plans you can count on. At

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

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

Updating your family s financial security is Simple, Affordable & SAFE! You never know what can happen on your watch. Is your family financially secure? Updating your family s financial security is Simple, Affordable & SAFE! The Insurance & Benefits Trust recommends all PORAC

More information

Group Term Life. Post-tax Benefits IN THIS SECTION: Basic Life Insurance. Personal Accident Insurance Optional Life Insurance. Basic Life Insurance

Group Term Life. Post-tax Benefits IN THIS SECTION: Basic Life Insurance. Personal Accident Insurance Optional Life Insurance. Basic Life Insurance 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

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

10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians

10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS. Underwritten by New York Life Insurance Company. Designed by Veterinarians for Veterinarians 10-YEAR AND 20-YEAR LEVEL TERM LIFE INSURANCE PLANS Designed by Veterinarians for Veterinarians Valuable Benefits. Remarkable Service. Underwritten by New York Life Insurance Company WE VE GOT YOU COVERED

More information

Group Whole Life 1-877-VIP-CSEA. Valuable Insurance Programs. Administered by. Sponsored by

Group Whole Life 1-877-VIP-CSEA. Valuable Insurance Programs. Administered by. Sponsored by Group Whole Life 1-877-VIP-CSEA Valuable Insurance Programs Sponsored by Administered by Important Benefits for CSEA members The Civil Service Employees Association (CSEA) is committed to providing its

More information

Member Term Life Plan

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

More information

Helping to Protect Your Family And Secure Your Future

Helping to Protect Your Family And Secure Your Future GuiFinal 6/18/07 11:47 AM Page 1 Helping to Protect Your Family And Secure Your Future Group Universal Life Insurance Developed for the Employees of County of Fresno GuiFinal 6/18/07 11:47 AM Page 2 GuiFinal

More information

The Dun & Bradstreet Life Insurance Plan Summary Plan Description for Active Team Members

The Dun & Bradstreet Life Insurance Plan Summary Plan Description for Active Team Members The Dun & Bradstreet Life Insurance Plan Summary Plan Description for Active Team Members ii Table of Contents HOW TO REACH YOUR LIFE INSURANCE PLAN SERVICE PROVIDER... 3 ABOUT YOUR PARTICIPATION... 4

More information

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA

Employee Group Benefits UNDERWRITTEN BY SUN LIFE ASSURANCE COMPANY OF CANADA 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

More information