Plan Details
One Plan that Covers Both of You
You and your spouse are both covered for the same benefit amount. It pays the benefit you select on whoever dies first - you or your spouse.
While most term life plans mean separate benefit amounts, separate premiums and separate policies, this plan protects you and your spouse under one single plan.
You and your spouse can apply for benefits of up to $200,000.00, as long as you are under age 65. If you die first, your spouse will automatically collect the benefits. If your spouse dies first, then you will collect the benefits. Once the benefit has been paid, the coverage ends.
One Low Group Rate
The plan is economical, since you're both covered under one benefit amount. The low group rates were negotiated by the buying power of over 80,000 shipmates. You won't find that kind of bargaining power just anywhere.
Your monthly rate depends on four factors: the benefit amount you select, the smoking status of the older applicant; the age of the older applicant; and the age difference between you and your spouse.
NONSMOKERS: If the older applicant is a nonsmoker (Smoker means a person who has smoked cigarettes, cigars, or used a pipe or chewing tobacco, nicotine product or snuff during the 12 months prior to the date he or she applied for coverage) and the difference between your ages is 5 years or less, refer to Table A for your affordable monthly rate. If you’re more than 5 years in age apart, refer to Table B.
SMOKERS: If the older applicant is a Smoker and the difference between your ages is 5 years or less, refer to Table C. If you’re more than 5 years in age apart, refer to Table D.
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Table A – Monthly Rates
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Nonsmoker with Age < 5 year difference
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Oldest Spouse's Age
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$50,000.00 Benefit
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$100,000.00 Benefit
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Under 30
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$5.88
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$11.75
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30-34
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6.29
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12.58
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35-39
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7.54
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15.08
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40-44
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11.13
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22.25
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45-49
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17.46
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34.92
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50-54
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26.71
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53.42
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55-59
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39.83
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79.67
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60-64
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60.29
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120.58
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65-69
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129.25
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258.50
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Table B - Monthly Rates
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Nonsmoker with Age > 5 year difference
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Oldest Spouse's Age
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$50,000.00 Benefit
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$100,000.00 Benefit
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Under 30
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$5.79
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$11.58
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30-34
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6.08
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12.17
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35-39
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7.38
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14.75
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40-44
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10.00
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20.00
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45-49
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15.04
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30.08
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50-54
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22.79
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45.58
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55-59
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34.50
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69.00
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60-64
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52.58
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105.17
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65-69
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116.63
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233.25
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Table C – Monthly Rates
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Smoker with Age < 5 year difference
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Oldest Spouse's Age
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$50,000.00 Benefit
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$100,000.00 Benefit
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Under 30
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$7.13
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$14.25
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30-34
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7.58
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15.17
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35-39
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9.13
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18.25
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40-44
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13.46
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26.92
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45-49
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21.17
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42.33
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50-54
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32.33
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64.67
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55-59
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45.17
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96.33
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60-64
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72.96
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145.92
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65-69
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156.29
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312.58
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Table D – Montly Rates
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Smoker with Age > 5 year difference
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Oldest Spouse's Age
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$50,000.00 Benefit
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$100,000.00 Benefit
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Under 30
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$7.00
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$14.00
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30-34
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7.33
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14.67
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35-39
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8.92
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17.83
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40-44
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12.13
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24.25
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45-49
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18.21
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36.42
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50-54
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27.63
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55.25
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55-59
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41.75
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83.50
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60-64
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63.63
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127.25
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65-69
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141.13
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282.25
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Children’s coverage - $5,000.00 benefit available: 79 cents per month covers all eligible children (Children age 6 months to age 21 or age 23 if full-time student.) ($500.00 benefit for children ages 14 days to 6 months.) You will be billed quarterly. An additional $2.00 billing fee will be included on your billing notice. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option. You must be under 65 years of age to apply. Premiums increase upon entry into a new 5-year age bracket. The benefits and rates may change on a class basis. You can never be singled out for a rate increase or a change in benefits and we will notify you in advance in writing of any changes. Note: other benefit levels are available from $25,000.00 to $200,000.00 in $25,000.00 increments. For rates please call 1-800-424-1120.
Coverage That Stays With You
Your Joint Term Life Plan continues as long as you remain an FRA member, you pay your premiums when due, you and your spouse are living and are under age 70, the Master Policy remains in force and you remain married.
30-Day Free Look
Your complete satisfaction is important to us. Once you're approved, we'll mail your Certificate of Insurance. Look it over for a full 30 days. Make sure it's exactly what you want. If so, then send in your premium payment. If not, then do nothing. You’re under no obligation.
NOTICE OF INSURANCE INFORMATION PRACTICES
To properly underwrite and administer your application for insurance coverage, we must collect certain information concerning your insurability. You are our most important source of information, but we may also contact other sources, such as medical professionals and institutions, employers, and other insurance companies. While all information regarding your insurability will be treated as confidential, in some situations, and in compliance with applicable law, we may disclose items of information to third parties without your specific authorization.
INVESTIGATIVE CONSUMER REPORTS
As part of our procedure for processing your application, an investigative consumer report may be prepared by an outside insurance reporting organization. Personal information may be collected from others regarding your general reputation and lifestyle. If an interview is conducted with someone other than you, we will inform you of your right to be interviewed in connection with the preparation of the investigative consumer report. You have the right to send a written request within a reasonable period of time to receive additional detailed information about the nature and scope of this investigation.
PERSONAL HISTORY INTERVIEW
To provide you, our client, with the best possible service, we may also conduct what we call a personal history interview. This is a phone call placed from our underwriting office. Its purpose is to make sure that the application information is complete. Our interviewers are trained to conduct their calls in a friendly, professional manner. The nature of the information discussed is always treated as personal and confidential and will only be used to assess your eligibility for insurance.
MEDICAL INFORMATION BUREAU (MIB) PRE-NOTICE
Information regarding your insurability will be treated as confidential. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the MIB, Inc., formerly known as Medical Information Bureau, a not-for-profit membership organization of insurance companies, which operates an information exchange on behalf of its members. If you apply to another MIB member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, MIB, upon request, will supply such company, with the information about you in its file. Upon receipt of a request from you, MIB will arrange disclosure of any information in your file. Please contact MIB at (866) 692-6901 (TTY (866) 346-3642). If you question the accuracy of the information in MIB's file, you may contact MIB and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of MIB's information office is 50 Braintree Hill Park, Suite 400 , Braintree , Massachusetts 02184 -8734. Hartford Life Insurance Company, Hartford Life and Accident Insurance Company , or their reinsurers, may also release information from their files to other insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Information for consumers about MIB may be obtained on its website at www.mib.com.
ACCESS, CORRECTION AND DISCLOSURE
You can obtain access to personal information about you contained in our policy files by sending us a written request. You may also request any necessary corrections, amendments or deletion of any information in our files which you believe to be inaccurate or irrelevant. Hartford Life Insurance Company or Hartford Life and Accident Insurance Company or its reinsurer(s) may release information in their files to other life insurance companies to whom you may apply for life or health insurance, or to whom a claim for benefits may be submitted. Also, please be advised that personal and confidential information collected by us may, in certain circumstances, be disclosed to third parties without authorization. A notice providing further description of the circumstances under which information about you may be disclosed and the types of persons and organizations to whom it may be disclosed will be sent to you upon your written request. If you desire further information or access to your personal information, please send your written request to: Hartford Life Insurance Company or Hartford Life and Accident Insurance Company, 200 Hopmeadow St. , Simsbury , CT 06089.
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.