The Union Plus Term Life Insurance Plan

Give your union family the protection they need should the unexpected happen

When Coverage Begins: Your coverage will become effective on the first day of the month following the Administrator's approval of your application and receipt of the first premium payment.

When Coverage Ends: As long as you pay your premiums when due, and the Master Policy remains in force, it's possible to keep this coverage until you reach age 70. Your dependent's coverage will remain in effect as long as premiums are paid, and they meet the eligibility requirements.

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.

Exclusion: 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.

When spouses are both union members, coverage may not be duplicated by applying as dependents of each other.

Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford¹. 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.

Living Benefit Option: If you are diagnosed with a Terminal Illness (life expectancy of 12 months or less), Union Plus Term Life Insurance waives your premiums. And, as an added benefit, you also have the option to withdraw up to 75% of the face amount of your coverage. This benefit may be taxable. 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.

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. In addition, coverage for your Spouse 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.

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 or in all unions.

¹ The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

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AGIA is a member of the Better Business Bureau

Offered by: Association Group Insurance Administrators
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155.

A.G.I.A., Inc. is the Plan Administrator who administers the insurance plan on behalf of Hartford Life and Accident Insurance Company. Union Privilege Inc. is the broker of record and is compensated for the placement of insurance. This is a participating group policy under which experience credits may be paid to AFL-CIO Mutual Benefit Fund.

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The Union Plus Term Life Insurance Plan

Give your union family the protection they need should the unexpected happen

Q. How do the rates for this Union Plus coverage compare to other programs?
A. The price for your Union Plus coverage could be an exceptional value. Thanks to the good claim history and group negotiating power of union members, this plan is set up with economical group rates which are generally more affordable than coverage you may find on your own.

Q. How did I qualify for this?
A. You are eligible for the simplified issue offer outlined in this notice as a member under age 65, who does not currently have coverage under the program, and who resides in the United States. Your spouse can also take advantage of this same offer to request the same coverage level as you, the union member, as long as he or she meets the criteria listed above and is not legally separated or divorced from the eligible member.

Q. Will this coverage be paid in addition to other life plans I have through work?
A. Absolutely. The Union Plus Group Term Life Insurance Plan is set up as a basic, term life program. There are no complicated benefit structures to worry about. No additional program features to keep track of. That means benefits are paid in addition to any other coverage you have. You can rest assured your loved ones will receive all the Union Plus benefits you set up for them.

Q. How soon can my additional coverage begin?
A. Coverage for you and your eligible spouse will take effect the first day of the month on or following the date your application is approved, and your first payment is received by the Plan Administrator.

Q. When does this coverage end?
A. You can keep this Union Plus protection until age 70 as long as the premiums are paid when due, you remain a union member, the group plan remains in force and is not modified by the policyholder to end insurance for the group of insureds to which you belong. Protection for a covered dependent spouse will end when the insured's coverage ends or when the spouse ceases to be eligible.

 

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

Life Form Series includes GBD-1000, GBD-1100, or state equivalent.

Endorsed by: Union Plus Insurance Benefits

Offered by: Association Group Insurance Administrators
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155.

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The Union Plus Term Life Insurance Plan

Give your union family the protection they need should the unexpected happen

Download Application

Download printable application for California residents
Download printable application for New York residents

For more information, call 1-800-393-0864

Important Replacement Notice
Beneficiary Designation Form

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60-Day Free Look

You're under no obligation when you take advantage of your simplified issue opportunity today. As soon as your application is approved and first premium payment is received, we'll rush your official Certificate of Insurance to you. Look it over for a full 60 days. If you're not completely satisfied with your additional life coverage under the Union Plus Group Term Life.

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

Life Form Series includes GBD-1000, GBD-1100, or state equivalent.

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Offered by: Association Group Insurance Administrators
Underwritten by: Hartford Life and Accident Insurance Company, Hartford, CT 06155.

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