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Optional Life plan issued by The Prudential Insurance Company of America |
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: |
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 |
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.
