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Term-to-70 Life Insurance Plan
Help Protect Your Loved Ones Finanical Future

You've worked hard to keep your family secure, now's your opportunity to help protect that security without ever having to reapply for this plan.

2020 Life - Product Overview

Term-to-70 Life Insurance Plan

You've worked hard to keep your family secure, now's your opportunity to help protect that security without ever having to reapply under this plan. Whether it's an accident or a sudden illness, the unexpected may happen. And experience tells us, it's best to be prepared in these situations. That's why life insurance can help protect your family's financial future.

2020 Life - Insurance Plan

Overview

About Term-to-70 Insurance

 

The older you get, the harder it is to get life insurance that is both sound and economical. In fact, many plans require you to re-apply at the end of the plan's term and modify your premium and benefits accordingly.

 

Some employer-sponsored plans provide a specific amount of coverage - it may not be enough to cover all the bills and other day-to-day costs your family faces when you're gone.

 

You've worked hard to keep your family secure, now's your opportunity to help protect that security without ever having to reapply for coverage. You'll have the same coverage until you are 70 years old - when you'll have the option to choose our Senior Life plan without medical questions or an exam.

 

For example, for 37 cents a day and depending on your answer to the health questions on the application, a 39-year-old union member could provide his or her family up to $150,000 in death benefits without having to take a medical exam. Amounts over $150,000 require medical exams.

 

And the plan provides a living benefit if you are diagnosed with a terminal illness (life expectancy of 12 months or less). In the event of a terminal illness, you may withdraw up to 75% of your life insurance benefit without penalty. Your beneficiary will receive the remaining benefit upon your death. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

 

Clear and simple, the Union Plus plan pays.

 

Eligibility:

  • Members and spouses or domestic partners ages 18 through 64.
  • All active members, associate members, former members, employees and retirees of an Adopting Union of the Policyholder who reside in the United States.
  • An Eligible Person's spouse who:
    1. is at least age 18 under age 65;
    2. resides in the United States; and c) is not legally separated or divorced from the Eligible Person

Eligibility Restrictions:

When an Insured Person and Eligible Spouse are both Eligible Persons, coverage may not be duplicated by applying as dependents of each other.

 

 

Life Form Series includes SRP-1153, or state equivalent.

 

Benefits

Term-to-70 Life Insurance coverage benefits

  • Choose your level of protection from benefits paying $50,000 to $150,000, you select the amount of protection you want to purchase.
  • Living benefit: Receive up to 75% payout of your life insurance benefit if you suffer a terminal illness.* This allows you to get up to 75% of your benefit money when you need it the most. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.
  • Pays in addition to any other coverage you may have.
  • Premiums are waived when insured is terminally ill.
  • Premiums are waived while on strike: you do not have to pay your premium for up to three months if you are involved in a union-sanctioned strike, lock-out or involuntary layoff lasting 30 days. This benefit is not available in all states or for all unions and is subject to a 30 day waiting period. This is a member-only benefit.
  • Pays full benefits for both death by a covered accident or illness anywhere in the world while at work or at home. And benefits do not reduce with age.
  • Spouse or domestic partner are also eligible to apply.
  • Your coverage may be terminated if: you do not pay your premium, you reach the policy age limit of 70, your union notifies Union Plus that you are no longer a member, or the master policy is terminated.
  • Coverage without re-application, underwriting, or changes to your benefits until age 70 when you can choose to move to the Senior Life plan without medical questions or an exam.

*Terminal illness means the covered person has a life expectancy of 12 months or less.

Notice of Insurance Information Practices

60-DAY SATISFACTION GUARANTEE:

Upon acceptance into this insurance plan, you'll receive a Certificate of Insurance. You have up to 60 days from the Effective Date to review your Certificate of Insurance without any obligation. If you do not like what you see, simply return the Certificate of Insurance within that timeframe, and any premiums paid will be refunded. Hassle free.

 

Life Form Series includes SRP-1153, or state equivalent.

 

Rates

Union Plus Term-to-70 Life Insurance Rates

The Term-to-70 Life Insurance plan offers rates in 5-year age bands. Rates are based on your age when you purchase the policy - UP has negotiated these Union Member terms and affordable rates for you. Rates increase upon entry to a new 5-year age band as shown on the chart below.

 

Term-to-70 Life Non-smoker Monthly Rates

Age

$50,000

$100,000

$150,000

18-29

$4.50

$9.00

$13.50

30-34

$4.70

$9.40

$14.10

35-39

$5.60

$11.20

$16.80

40-44

$7.80

$15.60

$23.40

45-49

$12.10

$24.20

$36.30

50-54

$18.60

$37.20

$55.80

55-59

$30.40

$60.80

$91.20

60-64

$48.80

$97.60

$146.40

65-69*

$77.10

$154.20

$231.30

 

Rates are based on the person's attained age and increase as you enter each new age category. Rates &/or benefits may be changed on a class basis.

 

View Term-to-70 Smoker Monthly Rates here.

*Ages 65-69 renewal only

 

Rates shown above are Non-Smoker Rates and are based on a non-smoker status of 12 months or more. To be eligible for Non-Smoker rates, you are considered a non-smoker if you have not smoked cigarettes, cigars or a pipe, or used chewing tobacco, nicotine chewing gum or snuff during the 12 months before submitting an application for insurance.

 

Life Form Series includes SRP-1153, or state equivalent.

 

Frequently Asked Questions

COVERAGE AND DEPENDENT QUESTIONS

WHY IS UNION PLUS TERM-TO-70 LIFE INSURANCE IMPORTANT TO HAVE?

You've worked hard to keep your family secure, now's your opportunity to help protect that security without ever having to reapply for benefits. Life insurance is protection of your family's financial well-being in the case of your loss. The costs of funeral arrangements and outstanding bills are high enough, not to mention the day-to-day bills (such as the mortgage, car payment, college tuition, etc) a family will face after losing a primary provider. And with today's rising costs and debt, many employer-sponsored life insurance plans may not provide enough coverage alone.

The older you get, the harder it is to get life insurance that is both sound and economical. In fact, most plans require you to re-apply at the end of the plan's term and modify your premium and benefits accordingly. But with Union Plus, your union-negotiated rates stay the same within each age bracket - and you'll know exactly what you'll pay as you age.

The Union Plus Term-to-70 Life Insurance plan will not change its benefits or underwriting; you do not have to reapply. And at age 70, when the policy terminates, you have the option to convert to the Union Plus Senior Life plan - there's no application and the Senior Life plan has no termination age.

HOW DOES THE BENEFIT WORK?

If you were to die from an illness or accidental injury,* your beneficiary would receive a Life Insurance benefit after we receive proof of death. Additionally, you can receive up to 75% payout of your life insurance benefit if you suffer a terminal illness. This allows you to get up to 75% of your benefit money when you need it the most.

The Term-to-70 Life Insurance plan offers rates in 5-year age bands - with smoker and non-smoker priced separately. Rates are based on your age when you purchase the coverage. Rates increase upon entry to a new 5-year age band.

This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

*Under the terms of the policy, injury is defined as bodily injury resulting directly and independently of all other causes from an accident which occurs while the person is covered under this policy.

IS A MEDICAL EXAM NECESSARY?

Only applications for amounts of more than $150,000 will require a medical exam at no cost to the member, depending on your answer to the health questions on the application.

WHAT IS TERM LIFE INSURANCE?

It is a policy that provides protection for a specified period of time. Instead of premiums being invested for slow-growing cash value, 100% of what you pay goes toward your coverage.

WHAT IS A "PREMIUM"?

The premium is the payment you make for an insurance policy. The premium amount is based on your age within a 5-year band at the time you purchase the policy. You can choose to pay your premium annually, semi-annually, quarterly or monthly.

WHAT MAKES UNION PLUS DIFFERENT?

Serves union members and their families - exclusively - and is able to provide specially arranged rates typically reserved only for large groups.

  • Coverage without re-application, underwriting, or changes to your benefits until age 70 - when you can convert without any medical questions to the Senior Life plan.
  • Provides a waiver of premium - that means, you don't have to make any payment - for up to 3 months during a union-sanctioned strike, involuntary layoff or lockout lasting 30 days or more and is subject to a 30 day waiting period. This is a member-only benefit.
  • Unlike some other insurance administrators, Union Plus does not ask you to take a medical exam for coverage up to and including $150,000 in order to receive coverage. Amounts over $150,000 require a medical exam.
  • Pays full benefits for both death by accident or illness anywhere in the world - while at work or at home.
  • Provides you a 60-day review period with a satisfaction guarantee if you decide that this coverage is not right for you.
  • Gives you a toll-free customer service support phone number.
  • Does not use gender distinctions as a way to set rates.

IS THERE ANY TIME WHEN SOMEONE WOULDN'T BE COVERED?

If a person commits suicide - while sane or insane - during his or her first two years of coverage under the policy, the policy will only pay an amount equal to the premium paid for coverage to the date of death.

ARE THERE ANY AGE REQUIREMENTS?

Yes, you must be aged 18-64 to apply.

IF I PURCHASE A POLICY AND I DEVELOP HEALTH PROBLEMS IN THE FUTURE, CAN MY INSURANCE BE TERMINATED?

Changes in your health do not cause the policy to be terminated.

FOR WHAT REASONS COULD MY INSURANCE BE TERMINATED?

Your insurance would be terminated if: you stop paying your premium, you reach age 70 (at this point you can convert to Senior Life Insurance), your union notifies Union Plus that you are no longer a member, or the group policy is no longer in effect.

Insurance for your spouse would be terminated on the earliest to occur of:

  • the date the Policy is cancelled; or
  • the Premium Due Date on or next following the date he or she is legally separated or divorced from you; or
  • attains the policy age limit shown in the schedule; or
  • the Premium Due Date the required premium is not made, subject to the Grace Period provision; or
  • the date Your coverage terminates.

However, if dependent's coverage would terminate because of your death, coverage will continue until the Premium Due Date on or next following your death unless continued in accordance with the Surviving Spouse Continuation provision.

WHAT IS THE LIVING BENEFIT?

If you are diagnosed with a terminal illness,* you may receive up to 75% of your selected death benefit. The remaining amount is paid at time of death. This information is written in connection with the promotion or marketing of the matter(s) addressed in this material. The information cannot be used or relied upon for the purpose of avoiding IRS penalties. These materials are not intended to provide tax, accounting or legal advice. As with all matters of a tax or legal nature, you should consult your own tax or legal counsel for advice.

* Terminally Ill or Terminal Illness means the Covered Person has a life expectancy of 12 months or less.

ARE THERE RESTRICTIONS ON HOW MY BENEFICIARY CAN USE THE BENEFIT MONEY?

No, the money can be used at his/her discretion.

DOES MY SPOUSE OR DOMESTIC PARTNER HAVE TO PURCHASE THE SAME BENEFIT AS ME, THE UNION MEMBER?

Yes, spouses (or domestic partners) must purchase the same benefit level as you, the union member.

WHEN DOES COVERAGE BECOME EFFECTIVE?

Coverage becomes effective on the first day of the month after your application is approved and the premium is paid.

IF I (THE INSURED MEMBER) DIE, CAN MY SPOUSE OR DOMESTIC PARTNER CONTINUE COVERAGE?

Yes, insured spouses (or domestic partners) can continue coverage as a surviving spouse.

WHAT DOES THE STRIKE/LABOR DISPUTE WAIVER OF PREMIUM MEAN?

If an insured is 1) in a lawful, authorized strike by a union or 2) locked out as a result of a dispute between the union and an employer, or experiences an involuntary layoff, the insured doesn't have to pay premiums for up to 3 months on this coverage, subject to a 30-day waiting period. This is a Member-Only benefit. May not be available in all states or in all unions.

WHAT IS THE PROCESS FOR GETTING THE PREMIUM WAIVED?

The insured must provide written proof of strike, lock-out or involuntary layoff before the wavier of premium begins. It can be a note from the union or a note from the insured with a newspaper article verifying the sanctioned or forced work stoppage.

EXCLUSION QUESTIONS

ARE THERE ANY EXCLUSIONS TO THE POLICY COVERAGE?

If a person commits suicide - while sane or insane - during his or her first two years of coverage under the policy, Union Plus will only pay an amount equal to the premium paid for coverage to the date of death.

DOES A UNION MEMBER WHO LEAVES THE UNION LOSE HIS/HER COVERAGE?

If your union notifies Union Plus in writing that you have left the union for any reason other than retirement, coverage will be terminated.

RATE QUESTIONS

CAN I BE SINGLED OUT FOR A RATE INCREASE?

No, rates are based on your age when you purchase the policy. Rates increase upon entry to a new, pre-determined 5-year age band.

CAN THE COVERAGE BE PAID BY CREDIT CARD OR THROUGH AN AUTOMATIC CHECKING ACCOUNT DEDUCTION?

Yes, members who apply will have various payment options when applying.

Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155

 

Life Form Series includes SRP-1153, or state equivalent.

 

Terms

Term-to-70 Life Insurance Terms & Conditions

 

Suicide: If a Covered Person commits suicide:

  • while sane or insane;
  • during his or her first two years of coverage under the Policy;

The policy will only pay an amount equal to the premium paid for coverage to the date of death. The Life Insurance Benefit is payable if a Covered Person is insured under the Policy and commits suicide after the two year period.

 

Exclusions: The two year suicide exclusion, stated above, will also apply if a Covered Person commits suicide during the two years immediately following an increase in coverage under the Policy. In that event, the Amount of Insurance payable will equal the Amount of Insurance in force prior to the increase plus an amount equal to the premium paid for the increase to the date of death.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford. 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.

Termination: Coverage will terminate on the earliest to occur of: a) the date the Policy is cancelled; or b) the Premium Due Date on or next following the date You cease to be an active member of the Policyholder; or c) the Premium Due Date on or next following the date You attain the Policy Age Limit shown in the Schedule; or d) the Premium Due Date You fail to pay any required premium, subject to the Grace Period. Spouse Coverage terminates on the earliest to occur: the date the Policy is canceled; or your coverage terminates; or the premium due date on or next following the date he or she is legally separated or divorced from you, attains age 70, or premiums are not paid.

 

NOTICE OF INSURANCE INFORMATION PRACTICES

AGIA is a member of the Better Business Bureau
 

This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1660 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.

 

AGIA, Inc. is the Plan Administrator that administers the insurance plan on behalf of the Hartford Life and Accident Insurance Company for the benefit of the Group Policyholder.

 

Union Privilege is compensated for the placement of insurance and for the services it provides to customers on behalf of the insurance company, in addition to other compensation it may receive.

This is a participating group policy under which dividends and/or experience credits may be paid to the group policyholder.

 

Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155

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

 

Life Form Series includes SRP-1153, or state equivalent.

 

 

2020Life Download Forms

Form
Download
Term To 70 CA
Term to 70 NY
Term to 70 Under 150k

2020 Life - Statement

Underwitten by:
Hartford Life and Accident Insurance Company
Hartford, CT 06155

Life Form Series includes SRP-1153, or state equivalent.

Policy # AGL-1660
​​May not be available in all states.
​​
​​FORM PA-9199