WHAT IF I AM NOT CURRENTLY A MEMBER?

You can still apply provided that you subsequently join the Association. In this case, upon receipt of your application, the Membership Department will send you an enrollment form.

WHEN DOES MY COVERAGE BECOME EFFECTIVE?

Your plan will become effective on the first day of the month following your acceptance for coverage and premium has been paid. However, if you are confined to a hospital on the effective date, coverage will not become effective until the first of the month following the date you return to work.

ARE THERE ANY EXCLUSIONS?

Benefits are not paid for losses due to war or acts of war, whether declared or not; intentionally self-inflicted injury, suicide or attempted suicide, while same or insane; disability caused by pregnancy or childbirth, except complications of pregnancy; injury sustained as a pilot, crew member or student pilot while riding in, boarding or alighting from any craft used for test, experimental purpose, student flying, racing or endurance tests; injury sustained while committing or attempting to commit a felony; or losses due to sickness contracted or injury sustained while on full-time active duty as a member of the armed forces of any country or international authority.

CAN MY COVERAGE BE CANCELLED?

Your coverage will continue as long as:

• a) you remain a member of the Association;
• b) you continue to pay your premiums within the grace period;
• c) you remain actively at work (except by reason of disability covered by this plan);
• d) the master policy remain in effect; and e) you remain under age 70.

.HOW DO I APPLY?

• Answer all questions in full. Depending upon the answers you provide on your application, we may require additional evidence of insurability.
• Sign, date and mail the application to:
  
  Association Services:
  350 Fairway Drive, Suite 200
  Deerfield Beach, FL 33441-1834

SEND NO MONEY NOW.

You will be billed once your application is approved. And, once you receive your certificate, you will have 30 days to review it at no risk. Your premium will be returned if you decide to cancel the plan.

WHAT ELSE SHOULD I KNOW?

Hartford Life is the 3rd largest life insurance group in the U.S. based on assets, and the fastest growing major life insurance organization of the decade.1 Our investment portfolio is of the highest quality, and our superior financial returns continue to earn strong stable ratings in the industry. Based on year-end statutory asset data from Townsend & Schupp, 1999.

This section of the website explains the general purposes of the insurance program, but in no way changes or affects the policy as actually issued. In the event of any discrepancy between the website and the contract, the terms of the contract apply. Complete details are in the certificate of insurance issued to each insured individual. This program is not available in all states.

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