APPLICATION GROUP CREDIT INSURANCE OUTSTANDING BALANCE
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1 APPLICATION GROUP CREDIT INSURANCE OUTSTANDING BALANCE Minnesota Life Insurance Company 400 Robert Street North St. Paul, Minnesota PRIMARY APPLICANT (First, Middle, Last) DATE OF BIRTH SOCIAL SECURITY NO. LOAN NUMBER CO-APPLICANT (JOINT LIFE ONLY) (First, Middle, Last) DATE OF BIRTH LOAN TERM LOAN EFFECTIVE DATE LOAN MATURITY DATE EdF TYPE OF LOAN OPEN-END CLOSED-END CREDITOR BENEFICIARY (POLICY NUMBER) Money One Federal Credit Union CREDIT LIFE INSURANCE GROUP POLICY NUMBER G MAXIMUM LOAN REPAYMENT PERIOD TERM OF INSURANCE INTEREST RATE AMOUNT FINANCED PAYMENT AMOUNT NO. OF PAYMENTS PAYMENT FREQUENCY INSURANCE MAXIMUM $50,000 TERMINATION DATE OF INSURANCE CREDIT DISABILITY INSURANCE GROUP POLICY NUMBER G MAXIMUM LOAN REPAYMENT PERIOD TERM OF INSURANCE LOAN OFFICER MAXIMUM MONTHLY DISABILITY BENEFIT $ WAITING PERIOD 14 Days MAXIMUM AGGREGATE DISABILITY BENEFIT RETROACTIVE BENEFIT $50,000 YES NO TERMINATION DATE OF INSURANCE CRITICAL PERIOD COVERAGE YES NO CREDIT INSURANCE APPLIED FOR: CLOSED-END: Estimated Total Premium OPEN-END: Monthly Rate Per $1000 of Insured Amount SINGLE LIFE INSURANCE $ $0.66 SINGLE DISABILITY INSURANCE (Primary Applicant Only) $ $1.70 JOINT LIFE INSURANCE $ $1.18 If Critical Period Coverage is indicated, a maximum of 12 monthly disability benefits are payable per claim occurrence. You are covered only for the types of coverage for which a selection is indicated on this application. NOTICE TO APPLICANT(S) I (we) are applying for the credit insurance coverage(s) selected above and agree to pay the required premium. I (we) understand that fees may be paid by the insurer in connection with this coverage to the sponsor of this plan and/or its affiliates or designates. I (we) understand that the purchase of this insurance is voluntary and not required in order to obtain credit, and that I (we) may terminate it at any time. I (we) understand that if Critical Period Disability Insurance Coverage is indicated above, a MAXIMUM of 12 MONTHLY DISABILITY BENEFITS ARE PAYABLE PER CLAIM OCCURRENCE. I (we) also agree that: 1. I am eligible for life insurance if I am presently under age 70 and my loan is repayable within the maximum loan repayment period shown above. In no event is life insurance coverage to remain in force beyond the date you reach age 70. Please read the When does your insurance terminate? provision. 2. If joint life insurance is selected, we are eligible if we are spouses and the older applicant is presently under age 70 and our loan is repayable within the maximum loan repayment period shown above. We must be jointly and individually liable under the loan. Co-signers or guarantors are not eligible for insurance. In no event is joint life insurance coverage to remain in force beyond the date the older of the two of you reaches age 70. Please read the When does your insurance terminate? provision. 3. I am eligible for disability insurance if I am presently under age 66 and my loan is repayable within the maximum loan repayment period shown above. In no event is disability insurance coverage to remain in force beyond the date you reach age 66. Please read the When does your insurance terminate? provision. 4. A person signing this application as co-applicant is not eligible for single disability insurance. If applying for more than $15,000 of insurance, the following questions must be answered to determine my (our) eligibility for insurance: PRIMARY APPLICANT CO-APPLICANT (JOINT LIFE ONLY) YES NO YES NO My (our) answer to the above questions are true to the best of my (our) knowledge and belief. 1. (Applicable to Disability Insurance only) Are you presently working outside the home, or inside the home pursuant to a work at home employer-sponsored arrangement, for wages or profit for 30 hours or more per week and been so working for 30 days or more immediately prior to this date? 2. During the last two years, have you been advised of or treated for: cancer, heart attack or coronary artery disease, stroke, cirrhosis, or Acquired Immune Deficiency Syndrome (AIDS)? The effective date of my (our) insurance will be the date of this application, the date the eligible loan is disbursed, or the date the note evidencing the loan is signed, whichever date is later. THIS INSURANCE COVERAGE WILL TERMINATE IF THE GROUP INSURANCE POLICY TERMINATES. THE INSURANCE BENEFITS MAY NOT FULLY REDUCE OR PAY OFF THE LOAN. THE DISABILITY INSURANCE BENEFIT MAY NOT COVER THE ENTIRE SCHEDULED LOAN PAYMENT AND/OR MAY NOT COVER ALL OF THE SCHEDULED LOAN PAYMENTS. THIS INSURANCE CONTAINS LIMITATIONS/EXCLUSIONS PERTAINING TO BENEFITS PAYABLE. PRIMARY APPLICANT S SIGNATURE DATE CO-APPLICANT S SIGNATURE DATE
2 CERTIFICATE GROUP CREDIT INSURANCE OUTSTANDING BALANCE Minnesota Life Insurance Company 400 Robert Street North St. Paul, Minnesota CERTIFICATE OF GROUP CREDIT LIFE AND DISABILITY INSURANCE This certificate is issued in consideration of your attached application and the payment of the required premium. It summarizes the main provisions of the group policy(ies) that affect you. You may examine the group policy(ies) at the principal office of the policyholder during regular business hours. NOTICE: With respect to insurance coverage on a balloon loan: If you have disability insurance coverage and are eligible for total disability benefits on the termination date of insurance, your balloon payment will only be insured up to an amount equal to your monthly disability benefit. IF CRITICAL PERIOD DISABILITY INSURANCE COVERAGE, A MAXIMUM OF 12 MONTHLY DISABILITY BENEFITS ARE PAYABLE PER CLAIM OCCURRENCE. Notice of your right to examine this certificate for 30 days. It is important to us that you are satisfied with this insurance. If you are not satisfied, you may return this certificate to us or to your insurance representative within 30 days of its receipt, and you will receive a full refund of any premiums you have paid within 30 days after we receive your notice of cancellation. IF THE TERM OF YOUR INSURANCE IS LESS THAN THE TERM OF YOUR LOAN YOUR INSURANCE WILL TERMINATE ON THE DATE INDICATED IN YOUR APPLICATION. THE DEATH BENEFIT WILL ONLY BE PAYABLE IF DEATH OCCURS DURING THE TERM OF THE INSURANCE. DISABILITY INSURANCE, IF IN FORCE, WILL NOT COVER YOUR ENTIRE INDEBTEDNESS AND THE DISABILITY INSURANCE BENEFITS AVAILABLE WILL BE LESS THAN THE AMOUNT NECESSARY TO PAY OFF YOUR LOAN. TOTAL DISABILITY WILL NOT BE PAID FOR ANY PERIOD OF TOTAL DISABILITY COMMENCING OR CONTINUING AFTER THE TERMINATION DATE OF INSURANCE SHOWN IN THE SCHEDULE. LIFE INSURANCE What is the amount of the death benefit? The death benefit will be the lesser of: (1) the unpaid balance of your loan on the date of your death: or (2) the maximum amount of insurance specified on your application. The unpaid balance will include scheduled payments that are no more than two months in default (as defined in the loan note). If you are jointly insured and your co-debtor dies, the death benefit will be determined on the same basis. Only one death benefit is payable, even if both jointly insured debtors should die on the same date. DISABILITY INSURANCE What is the amount of your monthly disability benefit? Your monthly disability benefit will be an amount equal to the lesser of: (1) your minimum scheduled installment payment as specified in your loan agreement, excluding any delinquencies and/or late fees accrued prior to and up to the date the valid claim was filed in accordance with the provisions of this certificate, due in the month in which total disability commences; or (2) the maximum monthly disability benefit specified in your application. If your minimum scheduled installment payment increases according to a procedure specified in your loan agreement to recognize periodic changes in the loan interest rate (variable interest loan), we will increase your monthly disability benefit accordingly provided: (1) the date of scheduled installment payment increase is after total disability commences; and (2) the maximum monthly disability benefit we were paying immediately prior to the increase was not limited to the maximum monthly disability benefit available. In no event will any other increase (or decrease) in your minimum scheduled installment payment, after total disability commences, serve to change the amount of monthly disability benefit payable. Will the monthly disability benefit be prorated? Yes. Benefits will accrue on a daily basis; that is, we will pay the monthly disability benefit for a full month of total disability and we will prorate the monthly disability benefit on the basis of a 30 day month for a period of continuous total disability that is less than one month in duration. What is the definition of total disability? During the first twelve months of disability for which a claim may be made, your inability, due to sickness or injury, to substantially perform the duties of your regular occupation. Thereafter your inability, due to either sickness or injury, to substantially perform the duties of any business or occupation for which you are reasonably suited by age, education, training or experience. If unemployed, your inability to engage in your usual and customary activities. What is critical period insurance coverage? Critical period insurance coverage is disability insurance coverage that provides for a maximum number of monthly disability benefit payments per claim occurrence. The maximum number of monthly disability benefits is as shown in your application. For how long will monthly disability benefits be paid? We will pay the monthly disability benefit for any continuous period of total disability until any one of the following conditions are met: (1) the payments total an amount equal to the unpaid balance of your loan on the date total disability commences, including principal and interest, under the terms of the loan note or agreement; or (2) the maximum aggregate disability benefit specified in your application has been paid; or (3) your loan reaches its initial scheduled maturity date or; if the maturity date has been adjusted according to a procedure specified in the loan agreement to recognize periodic changes in the loan interest rate (variable interest loan), your loan reaches its adjusted maturity date; or (4) the termination date of insurance as shown in your application is reached; or (5) if critical period disability insurance coverage is in force, when the maximum number of monthly disability benefits payable per claim occurrence are paid. What if you suffer recurrent periods of total disability? If, following a period of total disability, you engage on a full-time basis in any occupation (if unemployed, able to engage in your usual and customary activities) for a continuous period of three months or more, any subsequent period of total disability resulting from the same or related cause or causes will be considered a new period of total disability. However, if the period during which you engage in any occupation (if unemployed, able to engage in your usual and customary activities) is less than three months, any subsequent period of total disability resulting from the same or related cause or causes will be considered a continuation of the preceding period of total disability. If you are totally disabled and sustain an additional sickness or injury which would be in and of itself totally disabling, the additional sickness or injury will not be considered a new period of total disability. What disabilities are not covered? We will not insure any loss resulting directly or indirectly from any total disability caused by: (1) normal pregnancies or normal childbirths. Complications due to pregnancy or childbirth will be covered only if the complications themselves are totally disabling; or (2) as to each advance on your loan; a pre-existing condition, which, within the 6 month period immediately prior to the date of the advance, manifested itself to you by requiring medical consultation, diagnostic testing or treatment, provided the pre-existing condition causes loss commencing within 6 months following the date of the advance, and provided further that the preexisting condition would ordinarily be expected to affect materially your health during that period.
3 If the indebtedness insured by this certificate is a refinancing of a previously insured indebtedness of yours with the same creditor, the effective date of insurance with respect to the pre-existing condition exclusion stated above, to the extent of the amount of the indebtedness outstanding at the time of refinancing, will be deemed to be the date on which you became insured under the policy covering the indebtedness that was refinanced. GENERAL PROVISIONS To whom will benefits be payable? Claim payments will be made to the policyholder to reduce or extinguish your loan. If claim payments are more than the balance of your loan, remaining payments will be made to you or to your estate or, if required by law and you have named one, to a secondary beneficiary. What if coverage is issued to an insured debtor in excess of the maximum amount(s)? If we issue coverage in excess of the maximum amount(s) stated in the application, any excess coverage will remain in force if we do not return the premium for the excess coverage within 60 days of the effective date of the insured debtor s coverage and prior to occurrence of a valid loss. When will benefits be payable? The death benefit will be payable when we receive a certified copy of the death certificate and a statement from the policyholder. Disability benefits will be payable when we receive proof you have become totally disabled while you are insured. We will pay the monthly disability benefit at the end of each month of continuous total disability following the expiration of the waiting period. If the retroactive benefit is effective, we will pay the monthly disability benefit at the end of each month of continuous total disability from the date total disability commences but benefits will not begin until the waiting period expires. You will be required to give proof of continuing total disability from time to time. When must notice of a disability claim be given? You must give us notice within 30 days or as soon as possible after the occurrence or commencement of any loss covered by the group policy. The notice of claim must be in writing and given to our authorized agent or sent to our home office in St. Paul, Minnesota. We shall have the right to have you examined at our own expense as often as may reasonably be required while a disability claim is being considered or paid. Written proof of loss must be given to us within 100 days after the termination of the period for which we are liable. Failure to furnish the proof of loss within the time period required will not invalidate or reduce the claim if it was not reasonably possible for you to give proof within that time period. However, you must furnish proof of loss as soon as possible. In no event, except in the absence of legal capacity, can proof of loss be filed later than one year from the time proof is otherwise required. As deemed necessary to determine continued disability we may also request written proof of loss during the course of a claim. How are premiums calculated? Premiums for your insurance are calculated each month on the remaining insured outstanding balance of your loan using the premium rate in effect under the group policy. The premium rate is subject to change not more than once each year upon 31 days prior written notice to you. How are refunds calculated? If your insurance terminates before the termination date of insurance or the premium you were charged is greater than the premium required for your age and amount of insurance, the unearned premium will be refunded to you. The method of calculating refunds is the Pro Rata formula. However, refunds of less than $1.00 will not be made. When does your insurance terminate? Your insurance will terminate on the date any of the following events occurs: (1) your loan is discharged through payment, prepayment, renewal or refinancing; or (2) your loan reaches its scheduled maturity date or, if the maturity date has been adjusted according to a procedure specified in the loan agreement to recognize periodic changes in the loan interest rate (variable interest loan), the date your loan reaches the adjusted maturity date; or (3) the termination date of insurance as shown in your application is reached; or (4) for coverage on an open-end loan account, the date the open-end loan account terminates; or (5) the policyholder transfers the loan without recourse and no longer services the loan; or (6) any required loan repayment which includes your insurance premium is more than 90 days overdue; or (7) you request in writing that your insurance be terminated; or (8) the group policy terminates provided you receive 30 days written notice; or (9) you die. If joint life insurance is in force, your insurance terminates on both you and your co-debtor on the date either you or your co-debtor die and a life benefit is paid; or (10) you reach age 66 and have disability insurance; or (11) you reach age 70 and have life insurance. If joint life insurance is in force and insurance terminates on one of you due to attainment of age 70, insurance will continue on the other insured under single life coverage if that person is under age 70. Termination of your insurance shall be without prejudice to any claim that occurred prior to such termination. If this certificate has been issued to you and you were ineligible for this insurance, we may terminate the insurance provided you receive 31 days written notice and prior to the occurrence of a valid claim. What if your age is misstated? If you stated you were under age 66 and you applied for disability coverage but you were not, we will refund your premium when we discover this and no benefits will be paid. If you stated you were under age 70 and applied for life insurance but you were not, benefits will be paid in accordance with the following table: If age has been misstated and correct age on effective date was Coverage to be afforded is 69 or under 100 percent 70 to percent 75 to percent 80 to percent 85 to percent 90 and over 20 percent If joint life insurance is in force, this table shall apply only if the age of the first joint insured debtor to die has been misstated. If you stated your correct age as exceeding the maximum eligibility age, we may terminate the insurance provided you receive 31 days written notice and prior to the occurrence of a valid claim. Can we contest your insurance? After your insurance has been in force during your lifetime for two years from the effective date of your insurance, we cannot contest your insurance for any loss that is incurred more than two years after the effective date, except for the nonpayment of premium or fraudulent statements with respect to disability coverage. Any statements made by an insured debtor in their application will, in the absence of fraud, be considered representations and not warranties. Any statement an insured debtor makes will not be used to contest the insured debtor s insurance unless the statement is contained in his or her signed application and a copy is provided. What if joint life insurance is terminated because of contestability or eligibility? In the case of joint life insurance, if coverage is terminated with respect to one of the joint insureds in accordance with the provisions on contestability or age eligibility contained in this certificate, a refund will be made which is equal to the difference between the premium actually charged for the joint coverage and the premium that would have been charged if only single coverage had been issued and insurance will continue on the other insured under a single coverage basis.
4 IMPORTANT NOTICE Minnesota Life Insurance Company 400 Robert Street North St. Paul, Minnesota Notice Concerning Coverage Limitations and Exclusions Under the Life and Health Insurance Guaranty Corporation Residents of this state who purchase life insurance, annuities or health insurance should know that the insurance companies licensed in this state to write these types of insurance are members of the Maryland Life and Health Insurance Guaranty Corporation. The purpose of this is to assure that policyholders will be protected, within limits, in the unlikely event that a member insurer becomes financially unable to meet its obligations. If this should happen, the Guaranty Corporation will assess its other member insurance companies for the money to pay the claims of insured persons who live in this state and, in some cases, to keep coverage in force. The valuable extra protection provided by these insurers through the Guaranty Corporation is not unlimited, however. And, as noted below, this protection is not a substitute for consumers care in selecting companies that are well-managed and financially stable. The Maryland Life and Health Insurance Guaranty Corporation may not provide coverage for this policy. If coverage is provided, it may be subject to substantial limitations or exclusions, and require continued residency in Maryland. You should not rely on coverage by the Maryland Life and Health Insurance Guaranty Corporation in selecting an insurance company or in selecting an insurance policy. Coverage is NOT provided for your policy or any portion of it that is not guaranteed by the insurer or for which you have assumed the risk, such as a variable contract sold by prospectus. Insurance companies or their agents are required by law to give or send you this notice. However, insurance companies and their agents are prohibited by law from using the existence of the Guaranty Corporation to induce you to purchase any kind of insurance policy. The Maryland Life and Health Insurance Guaranty Corporation 9199 Reisterstown Road Post Office Box Suite 216C Owings Mills, Maryland (410) The state law that provides for this safety-net coverage is called the Life and Health Insurance Guaranty Corporation. The Corporation is not a department or unit of the State of Maryland and the liabilities or debts of the Life and Health Insurance Guaranty Corporation are not Liabilities or debts of the State of Maryland. On the back of this page is a brief summary of this law s coverages, exclusions and limits. This summary does not cover all provisions of the law; nor does it in any way change anyone s rights or obligations under the law or the rights or obligations of the Guaranty Corporation. F. MHC Rev (please turn to back of page)
5 COVERAGE Generally, individuals will be protected by the Life and Health Insurance Guaranty Corporation if they live in this state and hold a life or health insurance contract, or an annuity, or if they are insured under a group insurance contract, issued by a member insurer. The beneficiaries, payees or assignees of insured persons are protected as well, even if they live in another state. EXCLUSIONS FROM COVERAGE However, persons holding such policies are not protected by this Association if: they are eligible for protection under the laws of another state (this may occur when the insolvent insurer was incorporated in another state whose Guaranty Association protects insureds who live outside that state); the insurer was not authorized to do business in this state; the policy is issued by a Health Maintenance Organization, a fraternal benefit society, a mandatory state pooling plan, a mutual assessment company or similar plan in which the policyholder is subject to future assessment, or by an insurance exchange. The Corporation also does not provide coverage for: any policy or portion of a policy which is not guaranteed by the insurer or for which the individual has assumed the risk, such as a variable contract sold by prospectus; any policy of reinsurance, unless assumption certificates have been issued; interest rate yields that exceed an average rate; any portion of a policy or contract to the extent that it provides dividends; credits given in connection with the administration of a policy by a group contractholder; employers plans to the extent they are self-funded (that is, not insured by an insurance company, even if an insurance company administers them); unallocated annuity contracts (which give rights to group contractholders, not individuals). LIMITS ON AMOUNT OF COVERAGE The statute also limits the amount the Corporation is obligated to pay. The Corporation cannot pay more than the amount the insurance company would owe under a policy or contract. Also,with respect to any one life, regardless of the number of policies or contracts with the member insurer, the corporation will pay a maximum of [$300,000 even if the policies or contracts provide different types of coverage. Within this overall $300,000 limit, the Corporation will not pay more than $100,000 in cash surrender values, $300,000 in health insurance benefits, $100,000 in present value of annuities, or $300,000 in life insurance death benefits - again, no matter how many policies and contracts the insured has with the member company, and no matter how may different types of coverages]: $300,000 in life insurance death benefits, but will not pay more than $100,000 in life insurance cash surrender values; $300,000 in health insurance benefits, including any net cash surrender and net cash withdrawal values; and $100,000 in present value of annuity benefits, including any net cash surrender and net cash withdrawal values. These amounts are the maximum, no matter how many policies and contracts the insured has with the member company. DWIGHT K. BARTLETT, III Insurance Commissioner
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