| Your group Life Insurance is term insurance and is only in force while you are an employee of a participating employer. Term insurance has no cash value. It cannot be used as security for a loan, and there is no option to receive monies after termination of coverage.
Your Life Insurance is in force 24 hours per day, 365 days per year, and covers you anywhere in the world. Note: This benefit is only available for the covered member. It does not cover spouse or dependents.
Life Insurance benefits are payable upon your death. Proof of death is required before any benefit amount is paid to your designated beneficiary. If no beneficiary was designated, or if the beneficiary dies before you do, the benefit will be paid to your estate. Benefits under the Accidental Death and Dismemberment (AD&D) policy are payable when death or specified injuries occur as the result of an accident. The accident must be the sole cause of death or specified injury for the benefit to be paid. In the case of your death, the benefit amount is payable to your designated beneficiary or your estate. In the event of accidental injury, the benefit amount is payable to you. AD&D insurance provides you with 24-hour protection, 365 days a year, anywhere in the world. The death benefit payable under AD&D is in addition to the life benefit paid under the Life Insurance policy.
| 
