One of the premiere benefits of your membership in the United Family Association is the Group Term Life Insurance. Life insurance is one of the most cost-effective ways to safeguard the dreams of future generations. While you could never be replaced, life insurance can help your family whether the financial burden due to your death. There is no medical exam required for the Life Insurance. Term life insurance offers effective protection for times when your family needs it the most.

During the first 6 months that your membership is active, waiting period benefits are limited to $10,000 of Accident Death Benefits only.

After 6 months of continuous active membership, benefits are provided based on your attained age as reflected in the benefit tiers shown above.

Disclosures, Disclaimers, Terms and Exclusions

Group Term Life insurance is issued on Policy/Certificate Form Series GLMP-3002/GLC-3002 by Guarantee Trust Life Insurance Company (GTL), Glenview, IL. The policy is issued to United Family Association and has exclusions, limitations, reductions of benefits, and terms of renewal and termination. Subject to state availability, variability, and GTL’s right to increase rates. For complete details of coverage, please contact us. GTL does not provide nor is affiliated with the other insurance/discount programs provided as a part of membership in UFA.

Group Term Life Insurance Benefits Structure:

• Initial Waiting Period (6 months): $10,000 Accidental Death Benefit Only
• After Waiting Period:
• Ages 18-59: $10,000 Term Life Benefit
• Ages 60-69: $5,000 Term Life + $5,000 Accidental Death
• Ages 70 and older: $10,000 Accidental Death Benefit Only

Limitations and Exclusions:

If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, We will be liable only for an amount equal to the Premium paid. With respect to an increase in the amount of insurance, We will consider the two-year period to begin as of the effective date of such increase. Our return of such Premium will be in lieu of all other benefits which may have been payable for that Covered Person.

No benefits are payable for any loss caused by:

• Suicide or intentionally self-inflicted Injury while sane or insane.
• War or any act of war, declared or undeclared.
• Travel, or flight in or descent from any kind of aircraft unless as a fare paying passenger on a regularly scheduled flight.
• As a passenger on an official flight of the Military Airlift Command of the United States or similar air transport services of other countries.
• Infections, except infections which occur simultaneously with or through a cut or wound sustained as the direct result of an Injury, independent of any other cause; and
• The non-accidental ingestion of a contaminated substance.
• Intoxication as defined in the jurisdiction where the accident occurred.
• Being under the influence of any drug unless administered and taken as prescribed by a Doctor.
• Participation in an attempt to commit an assault or felony, or participation in a riot.
• Voluntary gas inhalation or poison voluntarily taken, administered, or inhaled.
• Riding or driving as a professional in any kind of race for prize money or profit.

The following monthly rates apply for coverage underwritten by GTL as part of your membership: $2.00
AAD23.7-24