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<br />Table of Contents
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<br />COVERAGE F'EATURES . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
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<br />GENERAL POLICY INFORMATION. . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1
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<br />BECOMIN'G IN'SURED .,...........................................................,.,..,... 1
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<br />P~ CO~tr.rIONS ...............................,............................... 2
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<br />SC:ErED~ OF IN'SURANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . 2
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<br />REDUCTIONS IN'IN'SURANCE .............................................................. 3
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<br />OT:EiER PROVISIONS ....................................................................... 3
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<br />P~ RATES AND RENEWAl..S ......................................................... 3
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<br />LIFE IN'SURAN'CE ....................... . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
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<br />A Insuring Clause . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
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<br />B. Amount Of Life Insurance ................................................................ 5
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<br />C. Changes In Life Insurance . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . 5
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<br />D. When Life Insurance Becomes Effective . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
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<br />E. When Life Insurance Ends. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5
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<br />F. Reinstatement Of Life Insurance .......................................................... 6
<br />ACCIDENTAl.. DEATH AND DISMEMBERMENT IN'SURANCE ..................................... 6
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<br />A Insuring Clause. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6
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<br />B. Definition Of Loss For AD&D Insurance................................................... 6
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<br />C. Amount Payable ......................................................................... 6
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<br />D. Changes In AD&D Insurance ............................................................. 7
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<br />E. Seat Belt Benefit . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
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<br />F. AD&D Insurance Exclusions .............................................................. 7
<br />G. When AD&D Insurance Becomes Effective ................................................. 7
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<br />H. When AD&D Insurance Ends ............................................................. 7
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<br />SlJPPI..EMENT.AI. :LIFE IN'SURANCE ............................................................. 7
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<br />A Insuring Clause. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7
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<br />B. Amount Of Supplemental Life Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
<br />C. Increases In Supplemental Life Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8
<br />D. Decreases In Supplemental Life Insurance ........................... ~ . . . . . . . . . . . . . . . . . . . . . 8
<br />E. Suicide Exclusion: Supplemental Life Insurance ............................................ 8
<br />F. Becoming Insured For Supplemental Life Insurance ........................................ 8
<br />G. When Supplemental Life Insurance Ends .................................................. 8
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<br />DEPENDENTS I.IFE IN'SURANCE . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
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<br />A Insuring Clause. . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
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<br />B. Amount Of Dependents Life Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . , . . . . . . . . , . . . . . . . . . . . . 9
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<br />C. Changes in Dependents Life Insurance ................,............,...................... 9
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<br />D. Definitions For Dependents Life Insurance. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9
<br />E. Becoming Insured For Dependents Life Insurance .......................................... 9
<br />F. When Dependents Life Insurance Ends .................................................... 10
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<br />ACTIVE WORK PRO'VISIONS .................................................................... 10
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<br />WAIVER OF PREMIUM .......................................................................... 11
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<br />ACCEI..ERATED BENEFIT ................................"..,....,............................. 12
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<br />RIG:ElT TO CONVERT ........ . .. . . , . . . . . . . , , . . . . . . . , . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . 13
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<br />CLAIMS .,.....,.........................,....................................................... 14
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<br />ASSIGNMENT. ... . . . . .... .. . . . .. . . . . . . . . . . . . . . . ... . . . . . . .. .. . .. ... . . . . .., . .,. . . . . . . . . . ,. , , . . . . , . 15
<br />BENEFIT PAYMENT AND BENEFICIARY PROVISIONS ......."..,........,.,....."...,...."... 15
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<br />AlLOCATION OF AUTHORITY, . . , . . . . . . . . . . . . . . . . . . . , . . . . . , , . . . , . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . 17
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<br />TlJ\.IE LIMITS ON :LEG~ ACTIONS .,..,..,.,..,......,.,....".....,...........,................ 18
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<br />. IN'CONTEST.ABILITY PROVISIONS. . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . , . . . . . . . . , . . , 18
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<br />DEFINITIONS ,.......,.................. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . , . . . . . . . . . . . . . . . . . . . . . 18
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