WHO IS ELIGIBLE?
You, as an active, full-time employee, who works 20 hours or more per week, your spouse under the age of 70, and your dependant children are eligible to apply for group term insurance under this plan.

HOW MUCH COVERAGE MAY I SELECT?
You may apply for insurance in increments of $10,000. However the amount chosen may not exceed five times your annual salary or $300,000, whichever is less. Your coverage will be reduced by 50 percent at age 70. Your spouse has the same coverage options and may apply even if you do not. In New York, Florida and Texas the spouse may apply only if the employee applies. In New York, a spouse can elect a maximum amount equal to the employee's amount. In Florid and Texas, the maximum is 50 percent of the employee's amount. Your spouse's coverage will terminate when he/she attains age 70.

WHO IS ELIGIBLE?
You, as an active, full-time employee, who works 20 hours or more per week, your spouse under the age of 70, and your dependant children are eligible to apply for group term insurance under this plan.

Your dependant children may also be insured for $5,000. You or your spouse must be insured under this program in order for your dependant children to be eligible.

WHAT HAPPENS IF I BECOME TOTALLY DISABLED?
If you become totally disabled prior to your attaining age 60, and you remain totally disabled for nine consecutive months, United States Life will continue your insurance without any further payment of premiums as long as you remain totally disabled. If you had elected spouse and children coverage, their premium payments will also be waived during your total disability.

WHAT IS AN ACCELERATED BENEFIT?
The Accelerated Benefits provision enables you to receive up to 50 percent of your life insurance benefit before you can apply for Accelerated Benefits. Accelerated Benefits may not be requested until the waiting period ends.

You must make a written request for the Accelerated Benefit. A licensed physician must provide proof of terminal illness as defined in the Accelerated Benefits rider. The Insurance Company reserves the right to require that the person be examined by a physician of the Insurance Company's choice, and at their expense.

There is no additional premium paid for the Accelerated Benefits provision. However, there is a cost (called a discount) associated with the payment of the benefit. The discount is deducted from the benefit to be paid to the insured person. The discount will be derived from an actuarial formula using an interest rate based on the yield of a 90-day Treasury bill. The discount will be calculated on the date the request for the payment of the Accelerated Benefits is made. For example; assume that you have $60,000 of life insurance. If you are diagnosed as terminally ill, your benefit will be calculated by taking 50 percent of the face value of the coverage and reducing it by a discount factor. The discount factor is based on the yield of a 90-day treasury bill. Assuming that the Treasury bill is 8 percent, your actual Accelerated Benefit will be approximately $28,000.

WHO IS ELIGIBLE?
You, as an active, full-time employee, who works 20 hours or more per week, your spouse under the age of 70, and your dependant children are eligible to apply for group term insurance under this plan.

Upon receipt of due proof of death, the beneficiary will be paid the life insurance amount reduced by the Accelerated Benefit and the discount as described above.

Accelerated Benefits are not payable if: there is an absolute assignment; there is an irrevocable beneficiary who does not give written consent; there is a court decree involving the life insurance in connection with a divorce agreement; or the illness is due to intentionally self-inflicted injury or attempted suicide.

DO YOU PROVIDE ACCIDENTAL DEATH AND DISMEMBERMENT BENEFITS?
If you choose Accidental Death and Dismemberment Benefits and death occurs due to an accidental injury, the AD&D maximum amount will be paid to the beneficiary in addition to the life insurance amount.

If loss of a limb or eyesight occurs to an accidental injury, a specific amount, related to the AD&D amount, will be paid to the insured.

The total payment for all losses due to any one accident will not me more than the full amount of insurance.

Under our AD&D exclusions, no benefits will be paid for any loss that results from any of the following: physical or mental sickness; ptomaines; intake of poison, drugs, gas, or fumes; bacterial infection; intentional self-inflicted injury; suicide; war; military duty; committing a crime; being intoxicated or under the infuence of drugs; or flight in aircraft unless as a fare-paying passenger in a licensed passenger aircraft operated by a licensed pilot for a carrier over a regular passenger route on a flight regularly scheduled between established airports. A more detailed description of exclusions is contained in your certificate.

HOW ARE PREMIUMS PAID?
By payroll deduction. The premium rates shown are guaranteed for a minimum of one year from the effective date of this program.

WHAT IS THE COST?
The monthly cost for you and your spouse varies by age. The monthly cost will increase as your or your spouse reach the next age bracket. The monthly premium rates are outlined below.

Monthly Rate per $10,000 of Coverage for Employee or Spouse (Unismoke)
Rates Coming Soon...

*Applies to active employees only.

Monthly Premium for $5,000 of Coverage for Dependant Children**
$1.00 per family

** Dependant children are eligible if they are between the ages of 15 days and 25 years. However, children must be attending an accredited college or university on a full-time basis from age 21 to 25, and be wholly dependant on the employee for support in order to remain eligible for this coverage.

The cost for the AD&D is $0.40 per $10,000 per month, and is NOT included in the rates shown here. Note: AD&D is not available for children.

Example: You are 42 and select $50,000 of life insurance and AD&D. Your spouse is 38 and selects $30,000 of life insurance only. You insure your three children for $5,000. Your monthly premium is $18.20.

Rates Coming Soon...

WHEN DO BENEFITS TERMINATE?
Coverage can be terminated if the person covered is no longer eligible, the premium is not paid, the insured reaches the limiting age, or the group plan terminates.

WHAT IF I TERMINATE MY EMPLOYMENT WITH THE COMPANY?
If coverage ends, there are two options:

Option 1:
You, your spouse, and your dependant children may, within 45 days, convert your insurance to an individual, whole life policy without evidence of good health.

Option 2:
You and your spouse (under age 70), and our dependant children (under the limiting age) may, within 45 days, convert your insurance to a group term policy without evidence of good health. You will be billed directly by United States Life. At age 70 (for you and your spouse) and at the limiting age (for your children), coverage may be converted to an individual, whole life policy.

These options are not available if coverage ends because of nonpayment of premium or if the master group policy ends. Details will be provided in your certificate.

WHO RECEIVES THE PROCEEDS?
You designate your beneficiary. Your spouse also designates a beneficiary. You or your covered spouse can change beneficiaries by giving written notice to United States Life, unless your provide otherwise in your original designation. You will be the beneficiary of your children's insurance.

WHEN IS COVERAGE EFFECTIVE?
Your insurance is effective on the first date of the month in which a deduction is made from your paycheck for your premium, after approval by United States Life.

Your dependant children's insurance is effective on the day insurance begins for you or your spouse, whichever comes first.

NOTE: You must be actively at work on the day your insurance is to take effect. If you are not, your insurance will take effect on the day you resume work. Your spouse and dependant children must not be hospital-confined on the day their insurance is to take effect. If they are, their insurance will take effect on the day they return to normal activities.

ARE THERE ANY EXCLUSIONS?
Yes, suicide is excluded during the first two years of coverage.

HOW DO I APPLY?
Please complete and return the enclose application* and payroll deduction authorization. Be sure to sign the application. Have your spouse sign it if he or she is applying for coverage. United States Life must approve all applications for insurance. Be sure to return the application to your personnel administrator.

* A physical exam is rarely required. However, we reserve the right to request an exam at our expense when it is deemed necessary.

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