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Plan Description

Member Eligibility Definition

Optional Term Life All active members in good standing and who are under age 65

Effective Date Of Coverage

First day of the month following enrollment

Guarantee Issue Amounts

Optional Life: Up to $50,000 Member Only

Waiver of Premium (Life Plan)

Does not apply

Accelerated Benefit Option (Life)

90% up to $100 Optional Life, Life expectancy 6 Months. Applies to Active Members Only.

Life Exclusions

2 year suicide exclusion applies

Exposure and Disappearance Benefit**

% of Principal sum consistent with type of loss

Termination of Coverage

Coverage terminates:
When membership ends
Member at age 80

Portability

Does not apply

Life Conversion

Optional Term Life: Applies (member and dependent)

Effective Date of Benefit reductions, Termination, Changes in Age Band rates due to Member or Dependent Aging

Member Only
Age 65 – 65% of current coverage amount
Age 70 – 50% of coverage amount in force at age 64
Age 75 – 25% of coverage amount in force at age 64
Coverage terminates at age 80


This product may not be available in all states.





1. Within the last 12 months, have you used tobacco or nicotine in any form?


2. Do you currently have any known disorder, condition, or disease or are you currently taking prescription medication for any disorder, condition, or disease (other than: acid reflux; allergies; cold; cough; herniated disc; high cholesterol; non rheumatoid arthritis; overactive or underactive thyroid; or pregnancy)?


3. Within the last five years have you been treated for, had any symptoms of, been in a hospital or health care facility for, or diagnosed with any of the following:

• circulatory or respiratory disease or disorder;

• coronary artery or heart disease, chest pain; heart attack, stroke, or high blood pressure;

• cancer, leukemia or tumors; • diabetes; disease or disorder of the lungs, kidneys, liver, pancreas, or genitourinary system;

• arthritis or other musculoskeletal condition;

• alcoholism; drug addiction, mental or nervous disorder;

• Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)?

• Multiple sclerosis, epilepsy, seizure, stroke;

• Chronic pain, rheumatoid arthritis, lupus


If you answered “Yes” to any questions 2-3 please provide full details.






Dollar on Hand
Access to the insurance plans and large group pricing on this website is predicated upon joining Elevate Wellness, a national association with over 100,000 members.
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