Group Term Life Insurance - Annual Renewable

ATTENTION: If applying for Life or Disability as a California or New York resident please contact Hagan Benefits at 877-285-4445 or see the bottom of this page for a specified application.

Make Sure Your Life Insurance Fits Your Growing Needs

Nothing can replace the loss of a loved one, but carefully chosen life insurance coverage can help to ease the financial stress that death brings to a family. As your financial responsibilities increase, you should ensure that your life insurance will help to meet the added expenses.

Benefits

Planning ahead often spells the difference between success and failure. When it comes to your family's security, that means adequate life insurance protection. Now is a good time to review your life protection and make sure it has kept pace with inflation and your changing needs.

This program offers coverage to you and your family. Employees of members are also eligible to apply for coverage. Benefits include:

Up to $1,000,000* of protection for members
$250,000 of protection for spouses
$5,000 of protection for children (to age 25)
Non-tobacco user rates
Accelerated death benefit
Level premiums at 5-year increments

*The maximum benefit amount will be reduced to $300,000 on the premium due date on or next following the date you attain age 65, with an appropriate reduction in premium.

Members may apply for benefits ranging from $25,000 to $1,000,000 (in $25,000 increments). Spouses of members may apply for benefits ranging from $25,000 to $250,000 (in $25,000 increments). Also, all children between 15 days and six months of age may be covered for $1000; between six months and 19 years of age (25, if a full-time student in a school, college or university), coverage is available for dependent children for a full $5,000. Full-time employees of members are eligible to apply for benefits up to $250,000.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford®. The Hartford is Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Depending on your age, the amount of coverage you request and your answers on the application, a medical examination, medical test(s) or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at your convenience and at no expense to you.

The life benefit will be paid for death occurring at any time, any place, from any cause, except suicide during the first two years (we will refund the entire premium paid to date if suicide is committed during the first two years). Life benefits are paid to the beneficiary you designate.

Annual Individual Premiums $25,000 Benefit Amount
Benefits Amounts under $100,000 - (per $25,000 in coverage)
Member Age	Non-Smoker	Smoker
Under Age 30	$19.20	$23.90
30 - 34	$20.10	$26.15
35 - 39	$27.85	$38.60
40 - 44	$42.25	$63.25
45 - 49	$70.10	$111.80
50 - 54	$107.60	$175.05
55 - 59	$165.60	$265.40
60 - 64*	$263.65	$404.95
65 - 69*	$422.90	$612.00

Annual Individual Premiums $25,000 Benefit Amount
Benefits Amounts under $100,000 and Higher - (per $25,000 in coverage)
Member Age	Non-Smoker	Smoker
Under Age 30	$17.30	$21.90
30 - 34	$17.90	$23.60
35 - 39	$23.80	$33.55
40 - 44	$34.60	$53.10
45 - 49	$56.70	$93.40
50 - 54	$87.20	$147.25
55 - 59	$135.00	$225.45
60 - 64*	$231.10	$397.05
65 - 69*	$397.05	$581.95

Premium rates for persons age 60 or older are renewal only. Rates and/or benefits may be changed on a class basis. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. One or more children $16.50

Acceptance into this plan and premium rate is subject to medical evidence of insurability as determined by The Hartford and underwriting guidelines. As part of the evidence of insurability process, a medical examination, medical test(s), or other evidence of good health may be required. Any exams/tests requested by the company will be conducted at no expense to you.

Living Benefits Option ("Accelerated Benefit")

Facing a Terminal Illness is a critical time for anyone, both emotionally and financially. Most people have friends or family for emotional support, but where do they turn for financial assistance?

The Hartford's Living Benefits Option may relieve some of the financial burdens associated with a Terminal Illness. This benefit allows you (and your spouse if covered) a one time option to receive up to 50% of the term life insurance proceeds, from $12,500 to a maximum of $500,000, upon being diagnosed by a physician as having twelve months or less to live as long as you are under age 70. Life proceeds can be distributed after a request and due proof have been received.

For example, if you're covered for $100,000 under the Term Life Plan and you become Terminally Ill, you may request an amount between $10,000 and $50,000. However, if you select $20,000 now, you may not request the remaining $30,000 in the future.

The funds are received in a lump sum payment without restriction on how you can use them. The face amount of your term life policy is then reduced by the accelerated benefit amount paid out.

Individuals should consult their personal tax advisor since the proceeds under this benefit may be taxable.

Eligibility

All active members of the American College of Emergency Physicians in good standing under age 60; resides in the United States and who can provide acceptable evidence of insurability are eligible to apply for coverage. All spouses of members under age 60: resides in the United States; and are not legally separated or divorced from the eligible person and who can provide acceptable evidence of insurability are also eligible to apply. Unmarried, dependent children of members who rely on those members for support, from age 15 days to 19 years (25 if a full-time student), are eligible for coverage as well. All full-time employees of members (working at least 30 hours per week) under age 60 are also eligible to apply for coverage.

When both spouses are eligible members, each may apply for coverage as "members"; however, coverage may not be duplicated by applying as dependents of each other. Coverage for eligible children may only be requested by one member.

Coverage Effective Date

Your insurance will become effective on the first day of the month following the date that the Company approved your application and your premium is paid.

Dependents' coverage begins the date you become covered or the first day of the month following approval to add such dependent, whichever date is later, and provided the required premium is paid.

A member or spouse must be able to perform the normal activities of a person of like age and sex in good health on the date his or her insurance is to take effect. If such is not the case, they will not be so covered until the earlier of the first day of the month on or next following the date they complete 90 consecutive days of full-time active employment; or the first day of the month on or next following the date they have been able, for 90 consecutive days, to carry on all the normal and customary activities of a person of like age and sex in good health.

Employees of members must be Actively-at-Work* on the day their coverage becomes effective. If not, their effective date will be postponed until the first day the employee resumes full time work.

*Actively-at-Work means a person who is performing all the regular duties of his or her occupation on a full-time basis (at least 30 hours per week) at his or her customary place of employment.

Termination

Your coverage will remain in force as long as you pay your premiums when due, remain an active member of the American College of Emergency Physicians, you are under age 70, and the program remains in force. Dependents' coverage terminates if your coverage terminates, premiums are not paid when due or such person ceases to be an eligible dependent.

Premium

Non-smoker and smoker rates are available. A smoker is defined as a person who has smoked cigarettes, cigars or used a pipe or chewing tobacco, nicotine chewing gum or snuff during the 12 months prior to the date he or she applied for coverage. A discount is also available if you purchase a benefit of $100,000 or more.

Rates are based on the attained age of the Insured Person and increase as you enter each new age category. Premiums are based on each person's age at date of issue and change on the renewal dates occurring on, or the next following the date a person covered under the program attains ages 30, 35, 40, 45, 50, 55, 60 and 65. The Company reserves the right to change premiums and rates may be changed on a class basis.

Waiver of Premium for Disability

If you become totally disabled before age 60 while you're covered under this program and the disability continues for six consecutive months, your life insurance will be continued in force without further premium payment while you remain disabled. Please note this provision does not apply to dependents' benefits. A total disability is one which prevents you from engaging in any occupation for wage or profit and must result from an injury or sickness.

Conversion Privilege

If your coverage ends for any reason (except for policy cancellation, coverage for a class of persons ends, or because of non-payment), you have the right to request an individual policy without having to provide evidence of insurability. To convert to an individual policy you must complete a notice of conversion privilege form for the conversion policy and send in the required premium within 31 days from the time your term life plan ends. Complete details may be found in your term life certificate of insurance.

30-Day Satisfaction Guarantee

You have 30 days from your effective date of coverage to look over the program and discuss it with your family and advisors. If you are not satisfied, you may return your certificate within 30 days for a full premium refund.

Beneficiary Designation

Any person or persons you name may be the beneficiary of this insurance. You can change your beneficiary at any time by giving written notice to the Plan Administrator.

Exclusions and Limitations

Suicide is excluded for two years from the effective date of each person's coverage or increase in coverage (In the event of death due to suicide, we will only pay an amount equal to the premium paid for coverage to the date of death).

Apply now or print a PDF and complete application and fax to 605-334-0556

Attention CA and NY residents: You cannot apply online, instead please utilize the following PDF applications:
California Residents: Click Here
New York Residents: Click Here

This website explains the general purpose of the insurance described, but in no way changes or affects the policy as actually issued. In the event of a discrepancy between this website and the policy, the terms of the policy apply. All benefits are subject to the terms and conditions of the policy. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Underwritten by:
Hartford Life and Accident Insurance Company
Simsbury, CT 06089
Policy Form #GBD-1000A(1752)

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.