At a Glance

The FRA Easy Acceptance Term Life Plan offers outstanding coverage with competitive rates. Designed to help protect FRA members and their spouses under age 60, it offers the benefit amount you want up to $150,000.00. There are no hidden costs, your coverage will never be canceled because of poor health, and your rates will never increase because you develop poor health. The plan even includes a $1,000 critical illness benefit if you have a stroke, heart attack, or are diagnosed with cancer (benefit available until age 65).

Economical group rates have been set up for all FRA members—this is your membership benefit.

After applying for coverage and being approved, you have 30 days to decide if FRA's Easy Acceptance Term Life insurance is right for you. What do you have to lose?

Benefit Features:

• Pays a $1,000.00 cash benefit for critical illness. If you are under age 65, have at least $10,000 in coverage and have a heart attack, stroke or diagnosed with cancer, you will collect a $1,000.00 lump-sum cash benefit to use any way you want—to help pay additional medical expenses or household bills—the choice is yours!
• Coverage now available for your spouse and children. This FRA Life Plan was specifically designed for FRA members and their spouses under age 60 who reside in the U.S., and who are not confined for medical care or treatment in an institution or at home—it is not available to the general public.
• Choose your coverage amount—pick the level that's right for you: $25,000, $50,000, $75,000, $100,000, $125,000, $150,000.
• Waives your premium if disabled. If an illness or injury makes you Totally Disabled for at least nine consecutive months and your Total Disability starts before you're age 60, your benefits will continue at no cost to you. Your premium will be taken care of for as long as you're disabled up to age 80.

Rates are based on the attained age of the Insured Person and increase as you enter each new age category.

*No Critical Illness coverage offered for this age bracket.

$10,000 of coverage for all your children only $1.27 a month (no critical illness benefit).

You are considered a nonsmoker if you have not smoked cigarettes, cigars, or a pipe, or used chewing tobacco, nicotine chewing gum or snuff during the 12 months before submitting an application for insurance.

You will be billed quarterly. All billing modes except annual will include a $2.00 billing fee.

The rates shown will not be changed unless they are changed for all insureds in your classification. Rates and benefits depicted are subject to change, but will not be changed more frequently than once in a twelve-month period.

Eligibility: You are eligible for coverage if you are a FRA member under age 60, reside in the United States, and are not confined for medical care or treatment in an institution or at home. Plus, your spouse and unmarried, dependent children under age 22 (age 25 if a full-time student) are eligible for this protection.

Termination: Your coverage cannot be canceled as long as the Master Group Policy remains in force, you remain a FRA member, you pay your premium when due, and you are under age 80. You dependents’ coverage ends when yours does, when premiums are not paid, if the Master Group Policy ends, or when they are no longer eligible.

Exclusions for Term Life Benefits: If death occurs by suicide, while sane or insane, within two years of the effective date of insurance, the only benefit payable will be a refund of the premiums which have been paid for the insurance.

Exclusions and Limitations Related to the Critical Illness Benefit: This benefit will not be payable during the waiting period; or if the covered person dies within the 30-day period immediately following a positive diagnosis of a critical illness; or if the covered person has already received a critical illness benefit; or for a critical illness that was positively diagnosed prior to the covered person's effective date of coverage under this Plan; or for any disease, sickness or injury, except as expressly stated; or for a critical illness that is diagnosed by the insured person or any member of his/her immediate family; or for a critical illness contracted as a result of war or act of war, or service in the armed forces of any country.

Cancer means the presence of a malignancy characterized by the uncontrolled and abnormal growth and spread of malignant cells in any part of the body. This includes Hodgkin's disease, leukemia, lymphoma, carcinoma, sarcoma or malignant tumor. It does not include other conditions that may be considered precancerous, including, but not limited to: leukoplakia, actinic keratosis, carcinoid, hyperplasia, polycythemia, nonmalignant melanoma, moles, basal cell carcinoma, or similar diseases or lesions. Cancer does not mean carcinoma in situ.

Heart Attack means a myocardial infarction only. Heart Attack does not include any other disease, arrhythmia or injury involving the cardiovascular system. Cardiac arrest not caused by myocardial infarction in not a Heart attack.

Stroke means a cerebrovascular accident that results in paralysis lasting more than 24 hours and procues measurable neurological deficit persisting for at least 30 days following the occurrence of the Stroke. Stroke does not mean a head injury, transient ischemic attack or chronic cerebrovascular insufficiency.

Effective Date: Your coverage will go in effect the first of the month following the approval date your application and the receipt of your first premium payment. If you are confined for medical care or treatment on such date, your coverage will become effective on the day following final discharge.

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.

Notice of Insurance Information Practices: Your application is our major source of information. However, The Hartford may also collect or verify information by contacting individuals or organizations that have information or records about you or others to be insured.

Information regarding your insurability will be treated as confidential. Such information will not be disclosed to others without your authorization, except to the extent necessary for the conduct of our business. The Hartford or its reinsurer(s) may, however, make a brief report thereon to the Medical Information Bureau, a nonprofit membership organization of life insurance companies, which operates an information exchange on behalf of its members. If you apply to another Bureau member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, the Bureau, upon request, will supply such company with the information in its file.

Upon receipt from you, the Bureau will arrange disclosure of any information it may have in your file within 15 days. Medical information will be disclosed only to your attending physician. If you question the accuracy of information in the Bureau’s file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau’s information office is MIB, Inc., P.O. Box 105, Essex Station, Boston, MA 02112; telephone number 1-866-692-6901 (TTY 866-346-3642 for hearing impaired).

The Hartford or its reinsurer(s) may also release information in your file to other insurance companies to which you may apply for life or health insurance, or to which a claim for benefits may be submitted.

Upon written request, The Hartford will provide you with information in your file. Medical information will be disclosed only through a physician you designate. Details regarding your right to correct or amend information in your file will be furnished upon written request.

If you would like further details, contact The Hartford, P.O. Box 2999, Hartford, CT 06104-2999, Attn: Group Benefits Department.

Eligibility

Details

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 Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states.

Program Administrator

Marsh Affinity Group Services
12421 Meredith Drive
Urbandale, IA 50398
1-800-424-1120
fra@marshpm.com
7 a.m. to 5 p.m. M-F (Central)
http://www.personal-plans.com/product/marsh/
 

Insurance Company

Hartford Life Insurance Company
Hartford Plaza
Simsbury, CT 06089
http://www.personal-plans.com/product/thehartford/