Youth Life Insurance

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At a Glance

FRA's special Youth Life Insurance Plan is for your children and grandchildren between the ages of 15 days and 18 years. Every birthday makes this Youth Life Plan more valuable. Face value begins at your choice of $1,000.00, $2,500.00 or $5,000.00. After that, the face value increases by $50.00, $125.00, or $250.00 every year. The plan ultimately provides $2,000.00, $5,000.00, or $10,000.00 in life protection by age 21. And, at age 23, your child or grandchild has the option of converting this valuable coverage into $20,000 of term life insurance—GUARANTEED—with NO HEALTH QUESTIONS.

The $2,000, $5,000, and $10,000 benefit levels are also available for a ONE-TIME premium of $75, $150, or $300 respectively. The same GUARANTEED plan feature of conversion at age 23 with NO HEALTH QUESTIONS also applies.

Table of Increasing Benefits
Child’s Age	$2,000.00 Plan (Plan A)	$5,000.00 Plan (Plan B)	$10,000.00 Plan (Plan C)
15 days–1 year	$1,000.00	$2,500.00	$5,000.00
2	1,050.00	2,625.00	5,250.00
3	1,100.00	2,750.00	5,500.00
4	1,150.00	2,875.00	5,750.00
5	1,200.00	3,000.00	6,000.00
6	1,250.00	3,125.00	6,250.00
7	1,300.00	3,250.00	6,500.00
8	1,350.00	3,375.00	6,750.00
9	1,400.00	3,500.00	7,000.00
10	1,450.00	3,625.00	7,250.00
11	1,500.00	3,750.00	7,500.00
12	1,550.00	3,875.00	7,750.00
13	1,600.00	4,000.00	8,000.00
14	1,650.00	4,125.00	8,250.00
15	1,700.00	4,250.00	8,500.00
16	1,750.00	4,375.00	8,750.00
17	1,800.00	4,500.00	9,000.00
18	1,850.00	4,625.00	9,250.00
19	1,900.00	4,750.00	9,500.00
20	1,950.00	4,875.00	9,750.00
21-22	2,000.00	5,000.00	10,000.00
23+	Conversion privilege to up to $20,000.00 of Life Protection

At age 23, your child or grandchild is guaranteed the right to change his or her FRA Youth Life Protection into FRA Group Term Life protection of up to $20,000.00. All they need to do is contact the plan administrator within 31 days of turning 23.

Plan A can be changed to $10,000.00 of Term Life Protection; Plans B and C, $20,000.00 of Term Life Protection.

The rates for this plan will not be changed more frequently than once in a 12-month period.

Effective Date: Your child or grandchild is protected under the Plan on the first day of the month after we receive your premium and your child’s application is approved.

Termination: Your child or grandchild’s protection continues until age 23 as long as the Master Policy remains in force.

Exclusion: In case of suicide during the first two years of coverage, no benefits will be paid, but all premiums will be refunded.

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

Where available

This plan may not be available in all states.

Details

Types of Insurance	Youth Life Insurance
Underwritten By	Hartford Life Insurance Company *The Hartford is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life Insurance Company
Group Policy Number	AGL-1553
Issue Ages	Through age 20 (Children and grandchildren age 15 days to 20 years old)
Coverage Amounts	$2,000, $5,000 or $10,000
Conversion Privilege	Convertible at age 23
Rate Schedule	One-time premium pays the policy to age 23

*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 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.