Group Term Life Insurance

Group Term Life Insurance  

Overview

At a Glance


The time to buy life insurance is when you are in good health—tomorrow may be too late. Each year many applicants are declined by life insurance companies because of health or physical impairments. Don't wait until it's too late. You won’t regret having life insurance—only not having enough of it.

The Group Term Life Insurance Plan is designed to help provide you and your family sound financial protection at reasonable group rates.

Benefit Features:

  • Choice of benefits
  • Economical group rates
  • Choice of beneficiary
  • Spouse and children eligible for coverage
  • Accelerated Death Benefit Provision allows you to use a portion of your benefit if a Terminal Illness is diagnosed


Review your cost of living regularly to be sure your life insurance is adequate. The Group Term Life Insurance Plan is a convenient way to update your coverage.


Want More Information?


View the Forms section and download a no-obligation application and brochure containing detailed plan information, including costs, exclusions, reduction of benefits, limitations and terms of coverage.

This plan may not be available in all states.

Forms

Insurance Application and Brochure

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

$10,000 TO $150,000 IN PROTECTION

Tell me more

 

Notes: If you are under age 60 you have the opportunity to apply for up to $250,000* of life insurance protection in $10,000 units for yourself and for your Spouse. You may also apply for up to $2,500 for each of your eligible children. Children 15 days to 6 months can be covered for $500.

 

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

 

Details

 

Type of insurance: Group Term Life Insurance

Designed for:
Association members and dependents

Underwritten by:
Hartford Life and Accident Insurance Company

Policy form number:
 Life Form Series includes GBD-1000, GBD-1100 or state equivalent

Group policy number:
AGL-1948

Issue ages:
Through age 59

Coverage amounts:
Up to $250,000* of life insurance protection in $10,000 units for yourself and for your Spouse.

Rate schedule:
All premiums are based on applicant’s age at the date of issue and on attained age at anniversary dates.

Children's insurance:
Up to $2,500 for each of your eligible children. Children 15 days to 6 months can be covered for $500.

*Benefits reduce by 50% once member or spouse reach the ages of 70. At age 80, the benefit will be further reduced by 75% with appropriate adjustments in premium. Coverage terminates at age 90. Rates and/or benefits may be changed on a class basis only.

Important Notes:

This website explains the general purpose of the insurance described, but in no way changes or affects the policy 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 the Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued inforce or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. 

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

 Program Administrator
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 Phone:
1-866-795-9340
 Hours
 M-F 8:15a-5p CST
 Email
customerservice.service@mercer.com
Underwritten by:
 Insurance Company
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • How much insurance can I request through this program?

    You can request up to $250,000* of life insurance protection in $10,000 units for yourself and for your Spouse.

     

    *Benefits reduce by 50% once member or spouse reach the ages of 70. At age 80, the benefit will be further reduced by 75% with appropriate adjustments in premium. Rates and/or benefits may be changed on a class basis only.

  • Do I have to meet with an insurance agent?

    Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your policy directly through the mail without meeting with an agent. You can, of course, talk to a licensed representative if you'd like. Please click the Contacts section for the toll-free number.

  • When is the coverage effective?

    When your application is approved by the insurer and we have received your first premium payment, your insurance will become effective as of the first of the month coinciding with or following approval.

  • What if I have second thoughts after I apply?

    You will have 30 days from the date of receipt to review the insurance certificate. If you are not satisfied with the terms of the certificate, simply return it to the Insurance Administrator and any premiums paid will be refunded in full, minus any claims paid.

Life Form Series includes GBD-1000, GBD-1100 or state equivalent.                                                                         ASHA-95711

 

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 force or discontinued.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.