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Simplified Issue Upgrade Offer
$50,000 or $100,000

 
At any time during your six months complimentary coverage period, you may apply to upgrade your coverage by purchasing $50,000 or $100,000 of level term insurance renewable to age 70 on a simplified issue basis. “Simplified Issue” means that your answers to a short health questionnaire will be used to determine if you can be accepted for coverage. No exam by a physician or a paramedical service will be required.

Coverage (not to exceed your amount) is also available on the same basis for your spouse who is under age 50.
Exclusions
Death resulting from suicide is not covered under this program for the first two years of an Insured's coverage. If this occurs, benefits will be limited to a refund of the premiums paid on the Insured’s behalf. This exclusion generally applies whether or not the Insured is considered sane or insane.

State Availability

This plan is available to members in all 50 states and the District of Columbia. It is not available to members residing abroad.

Termination
Coverage will terminate on the earliest of:
  1. the date the Master Group Policy terminates;
  2. the date you or your insured spouse are no longer eligible;
  3. the date your eligible group cancels participation under the Policy;
  4. except for Complimentary coverage, the day after the end of the period for which premium has been paid;
  5. for Complimentary coverage, the end of the 6 month period following your effective date;
  6. for Upgrade coverage, the premium due date after you or your insured spouse reach age 70;
  7. the date you or your insured spouse enter active duty in any armed service during a time of war (declared or undeclared);
  8. for your spouse: the date you are no longer covered or the date of your divorce or the annulment of your marriage.
Important Notes
This is not a contract of insurance. It provides only a partial description of the principal provisions and definitions of the insurance coverage. If there is a conflict between this description of benefits and the subsequently issued policy, the latter controls. Complete terms and conditions will be set forth in the Master Group Policy.