How to Apply

To receive a FREE instant quote or apply for coverage online, click here. Or, you may download the Group Term Life application from in the Forms tab and follow the instructions. Be sure to review the Plan Details. Remember, only FRA members may apply.

At a Glance

The FRA Term Life Plan offers outstanding coverage with competitive rates. Designed to help protect FRA members in all stages of life, it offers a wide range of benefit levels. 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. Apply for a benefit of $10,000 ... $50,000 ... up to $100,000 if you're under age 70.

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

After applying for coverage you have 30 days to decide if FRA's Group Term Life insurance is right for you. What do you have to lose?

Benefit Features:

• Living Benefit—you can collect up to 50% of your benefit amount if you are diagnosed with a terminal illness with six months or less to live. Your beneficiary will then collect the remainder of your benefit amount after your death. Receipt of accelerated benefits may be taxable. Seek assistance from your personal tax advisor for more information.
• Active Duty Benefit—you're still 100% covered while on Active Duty at no extra premium charge.
• Choose Your Coverage Amount—pick the level that's right for you: $10,000, $30,000, $50,000, $100,000.

$10,000 of coverage for all your children: $2.09

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

*Active Duty rates are available until you retire or turn age 60.

**Benefits reduce to 50% at age 65. Therefore, rates shown above for age 65 and over are for benefit amounts of $5,000, $15,000, $25,000, and $50,000.

For renewal rates for age 69 and older, please contact the plan administrator.

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 70, 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 21 (age 23 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: 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.

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.

*This is a listing of highlights for the above Insurance plan. Be sure to review the entire website for a detailed plan description.

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 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/