Terms and Conditions

PERIOD OF COVERAGE :
You will become covered under The Policy on the Certificate Effective Date shown in the Schedule of Insurance.

DESCRIPTION OF ELIGIBLE PERSONS:
All Active Members of the Policyholder who are :
1. Primary Age 18 to Age 84 (85th Birthday) 85th Birthday (Last day of insurance month). Spouse Age 18 to Age 84 (85th Birthday) 85th Birthday (Last day of insurance month). Dependent Child(ren) 14 Days to Age 25 (26th Birthday) 26th Birthday (Last day of insurance month)
; and
2. citizens or legal residents of the United States, its territories and protectorates.

Change of Premiums:
The Company has the right to change the premium rate on the first Policy Anniversary and on any Premium Due Date thereafter. The Company will give the Policyholder notice of any change at least 30 days before the Due Date on which it is to become effective.

Request for Change in Coverage:
If you give us an application for a change in coverage for which you are eligible and pay the required premium, the change will become effective on the first day of the month on or nest following the later of:
1. the date we receive the application; or
2. If Evidence of Insurability is required, the date we determine that you are insurable.

Termination:
Coverage will end on the earliest to occur of:
1. the date we receive the application; or
2. If Evidence of Insurability is required, the date we determine that you are insurable.
3. the date You are no longer in a class eligible for coverage, or the class is cancelled; or
4. the Premium Due Date that you fail to pay any required premium, subject to the individual Grace Period.

Individual Grace Period:
You will be allowed an Individual Grace Period of 31 days from the Premium Due Date for payment of each premium due after the initial premium. Your insurance will be continued during the Individual Grace Period. The Individual Grace Period will not continue coverage beyond a date shown in the Termination provision.

BENEFITS Life Insurance Benefit:
If You die while covered under The Policy, We will pay Your Life Insurance Benefit after We receive Proof of Loss, in accordance with the Proof of Loss Provision. The Life Insurance Benefit will be paid according to the General Provisions of the Policy.

Suicide:
If You commit suicide while sane:
1. During the first two years of coverage under The Policy, We will only pay Your Life Insurance Benefit in an amount equal to the premium paid for coverage to the death, if We can show that the deceased person intended suicide when coverage was elected. The full Life Insurance Benefit Amount for You is payable if You are covered under The Policy and commit suicide after the two year period.

Exclusions:
The Life Insurance Benefit does not cover death:
1. caused or contributed to by war act of war whether declared or not;
2. occurring while in the armed forces of any country or international authority;
3. caused or contributed to by accident occurring while riding in or on, boarding or alighting from any aircraft: a. as a pilot, crew member or student pilot; or
b. as a flight instructor or examiner. We will refund the pro rata portion of any premium paid for this benefit for You while in the armed forces on full-time active duty for a period of two months or more. Written notice must be given to Us within 12 months of the date You enter the armed forces.


Disclaimer Rates:
This brochure explains the general purpose of the insurance described, but in no way changes or affects the policy or Master Policy AGL-1809 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. The 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. Rates and/or benefits may be changed on a class basis.

Plan benefits and features are brought to you through a membership in the National Group Benefit Association – NGBA