Easy Acceptance Term Life Insurance Plan

Easy Acceptance Term Life Insurance Plan  

Overview

At a Glance

The FRA-endorsed Easy Acceptance Term Life Plan offers valuable coverage with competitive rates. Designed to help protect FRA members and their spouses under age 60, it offers the benefit amounts you may want up to $150,000.00. Your coverage will not be canceled because of poor health, and your rates will not 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).
 

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

This plan is available only for residents of the United States.

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.

 

Print a Free Information Packet

 

Countrywide
(This plan is not available in all states)

 

For residents of CA

 

For residents of NY

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Benefit Features:

  • Pays a $1,000.00 cash benefit for Critical Illness. If you are under age 60, have at least $25,000 in coverage and have a Heart Attack, Stroke, or are 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 Easy Acceptance Term 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 a Sickness 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.

 

 

 

 

 

Simplified Issue Plan Monthly Group Rates

 

$25,000 Benefit

$50,000 Benefit

$75,000 Benefit

$100,000 Benefit

$125,000 Benefit

$150,000 Benefit

Age

Non-
smoker

Smoker

Non-
smoker

Smoker

Non-
smoker

Smoker

Non-
smoker

Smoker

Non-
smoker

Smoker

Non-
smoker

Smoker

Under 30

$ 1.79 $3.63 $3.58 $7.25 $5.38 $10.88 $7.17 $14.50 $8.96 $18.13 $10.75 $21.75

30-34

1.75 3.50 3.50 7.00 5.25 10.50 7.00 14.00 8.75 17.50 10.50 21.00

35-39

2.54 5.13 5.08 10.25 7.63 15.38 10.17 20.50 12.71 25.63 15.25 30.75

40-44

4.04 8.13 8.08 16.25 12.13 24.38 16.17 32.50 20.21 40.63 24.25 48.75

45-49

6.67 13.38 13.33 26.75 20.00 40.13 26.67 53.50 33.33 66.88 40.00 80.25

50-54

11.79 23.71 23.58 47.42 35.38 71.13 47.17 94.83 58.96 118.54 70.75 142.25

55-59

20.67 41.50 41.33 83.00 62.00 124.50 82.67 166.00 103.33 207.50 124.00 249.00

60-64*

28.04 56.29 56.08 112.58 84.13 168.88 112.17 225.17 140.21 281.46 168.25 337.75

65-69**

42.83 85.96 85.67 171.92 128.50 257.88 171.33 343.83 214.17 429.79 257.00 515.75

70+**

56.08 112.54 112.17 225.08 168.25 337.63 224.33 450.17 280.42 562.71 336.50 675.25


Rates are based on the attained age of the Insured Person and increase as you enter each new age category. Rates and/or benefits may be changed on a class basis.
 

*Renewal rates only. 
 

**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. If applicable, an additional $2.00 billing fee will be included on your billing notice payable to the administrator. To save the fee, select Electronic Funds Transfer (EFT) as a safe and secure payment option.
 

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 an FRA member, you pay your premium when due, and you are under age 80. Your dependents’ coverage ends when yours does, when premiums are not paid, if the Master Group Policy ends, or when they are no longer eligible.
 

Exclusion for Term Life Benefits: If you or your dependent commit 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. If your or your dependent commit suicide while sane or insane:  during the two years immediately following an increase in coverage under the Policy, we will only pay the deceased person's Life Insurance Benefit in an amount equal to the amount of Life Insurance in force prior to the increase, plus an amount equal to the premium paid for the increaes to the date of death.
 

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 produces 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 into effect the first of the month following the approval date of 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.
 

Deferred Effective Date:  If on the date that you are to become covered under the Policy or covered for increased benefits under the Policy, you are:

  • not Actively at Work; or
  • unable to carry on all the normal and customary activities of a person of like age and gender, in good health, if not employed;


You will not be covered until the earlier of:

  • the first day of the month on or next following the date you have been Actively at Work for 90 consecutive days; or
  • the first day of the month on or next following the date you have been able, for 90 consecutive days, to carry on all the normal and customary activities of a person of like age and gender, in good health.


Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford1. 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

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 – NOT APPLICABLE TO RESIDENTS OF NEW YORK

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 Street, Simsbury, CT 06089
 

PA-9369
 

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.GBD-1000 A (AGL-1807)
 

1 The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

Contact Us

 Address
Mercer Consumer
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-800-424-1120
 Hours
 M-F 7:30a-5p CT
 Email
fra.service@mercer.com
 Insurance Company Address
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
 Website
http://www.mercer-web.com/products/thehartford.html

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • How can I learn more about this insurance?

    For more information, call toll-free 1-800-424-1120.
  • Do I have to take a medical exam, blood test, etc.?

    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.
  • How long does the application process take? When will my coverage become effective?

    In some situations, coverage becomes effective within a few days of receiving your application and premium. For others, the process is longer because of required medical underwriting procedures. The "underwriting process" depends on many factors: the number of persons to be insured, their ages, the amount of coverage for which you apply, your medical history and that of your family members (if requesting dependent coverage), and the type of coverage requested.
  • How do rates work on the Group insurance plans?

    Premiums for both the member and spouse are based on the member's age at last birthday. Premium may be periodically increased on plans to reflect plan utilization and help ensure their financial stability.
  • Who recommends/approves benefit changes or rate changes?

    The insurance companies reserve the right to change rates. They usually report "plan experience" (premium collected and claims and expenses paid) twice a year and, if applicable, rate action recommendations. Using this information, the Program Administrator works with FRA to evaluate the recommendations and decide what, if any, action (i.e., a rate action, a change in benefits, or even a change in insurance companies) is appropriate to maintain the plan's financial stability. FRA ultimately approves any such action, and insured members are informed of their decision, prior to implementation.
  • Why is the plan not available in all states?

    The Term Life Plan may not be available in all states. There are a variety of reasons for this situation to occur. The product may be prohibited in that state. The insurance carrier may be unable to or chose not to do business in that state. The group policyholder's product, as designed, may not be permitted in that state.
  • Can my spouse obtain separate coverage?

    Yes, but a spouse may only be covered if the FRA member is covered. Spouse coverage cannot exceed member coverage. A surviving spouse can, however, maintain coverage under most of the plans. See your Certificate of Insurance for more details.

AGL–1807

Life Form Series includes GBD-1000, GBD-1100, or state equivalent.

Mercer's Role & Compensation

Details of Mercer disclosure of the compensation.