Life and AD&D Benefits

Life Coverage

$50,000

AD&D Coverage

Equal to Life Coverage

Benefit Reduction

Reduces by 35% at age 65;
To 50% of original amount at age 70;

Accelerated Death Benefit

Accelerated Death Benefit provides an option to be paid a portion of your life insurance benefit when diagnosed as terminally ill (as defined in the policy). The death benefit will be reduced by the amount withdrawn. To qualify, you must be covered under this policy for the amount of time defined by the policy.

Conversion/Portability

If you terminate your employment or become ineligible for this coverage, you may have the option to convert or port all or part of the amount of coverage in force. Election normally must be made within 31 days of your date of termination.

Life Coverage

Increments of $10,000

Increments of $5,000

Increments of $1,000

Guarantee Issue (New Hires)

$50,000

$25,000

$10,000

Overall Benefit Maximum

The lesser of 5 times your Basic Annual Earnings or $500,000

$100,000

$10,000

Benefit Reduction

At age 75, amounts reduce to 50%