You’ve already given your family everything over the years. Here’s an opportunity to help make sure they aren’t left with the burden of final expenses once you’re gone.
We live longer today than we ever have before. But as we spend more time in retirement, the less likely we'll have enough left over for final expenses and outstanding bills once we're gone.
Unlike other term life insurance programs there's no termination age and no medical exam. Your insurance premium is waived if you are ever confined to a nursing home. Plus, a "living benefit" feature allows you to collect benefits when you might need them the most - during a terminal illness.
Clear and simple, Union Plus is practical senior life insurance coverage for today's needs.
Eligible to Apply
Policy Form # SRP-1153 A (HLA)(1661)
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.
*For renewal purposes only.
Rates and/or benefits may be changed on a class basis. Rates for age 75 and over are for renewal only. Rates are based on the attained age of the Insured Person and increase as you enter each new age category. If you select a credit card or checking/savings (ACH), as your payment method, your premiums will be charged monthly. For direct billing (paper bill) you will be billed on a quarterly basis.
Why is Union Plus Senior Term Life Insurance important to have?
We live longer today than we ever have before. But as we spend more time in retirement, the less likely we’ll have enough left over for final expenses and outstanding bills once we’re gone.
Union Plus helps to provide economical coverage for retired union members and their spouses wanting the peace of mind that they are helping to ensure that their families do not inherit their bills.
And unlike other programs there’s no termination age. No medical exam. And your premium is waived if you are ever confined to a nursing home* or if you’ve been diagnosed with a terminal illness. Plus, a “living benefit” feature allows you to collect benefits when you might need them the most – during a terminal illness.
*Nursing Home Confinement means your confinement which: begins while you are covered under the Policy; is at the direction of a Physician; and has existed continuously for a period of at least 180 days.
How does the benefit work and pay?
The Senior Term Life Insurance plan pays your beneficiary anywhere from $5,000 to $25,000 of benefits – depending which amount you choose when applying – if you die from a covered illness or accident.
Your premium is based on your age when you purchase the policy. Rates increase when you enter a new age band – this is to ensure that you are getting the most benefits from your premium dollar. Also, in order to keep premiums at affordable levels, benefits reduce at age 80 to $5,000 with an appropriate adjustment in premium.
Is a medical exam necessary?
No medical exams will be required. Medical suitability is determined by a review of the answers to questions on the application.
What makes Union Plus different?
Union Plus is different because:
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, the policy will only pay an amount equal to the premium paid for coverage to the date of death.
Will my benefits ever reduce as I get older?
In order to keep premiums at affordable levels, benefits reduce at age 80 to $5,000 with an appropriate adjustment in premium.
Are there any age requirements?
Yes, only active and retired members age 55 to 74 and their spouses/domestic partners ages 55 to 74 are eligible. There’s no termination age.
For what reasons could my insurance be terminated?
Your insurance would be terminated:
Insurance for your spouse or covered dependent would be terminated on the earliest to occur of:
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.
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?
Spouses (or domestic partners) may choose a different level amount.
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, spouses (or domestic partners) can continue coverage if they are insured with their own policy prior to the member's death.
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, the policy will only pay an amount equal to the premium paid for coverage to the date of death.
Are pre-existing conditions covered?
Yes. Once you are approved for coverage, there are no exclusions for pre-existing conditions.
Can I be singled out for a rate increase?
No, rates are based on the age band you are in at the time the policy is in effect. Rates change as you enter a new age bracket or rates may be changed on a class basis.
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 they receive their policy.
Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT 06089
Suicide: If a Covered Person commits suicide:
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.
Notice of Insurance Information Practices
This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy AGL-1661 as actually issued. In the event of a discrepancy between this brochure 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.
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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