Term Life Insurance Options for Your Changing Needs
	SAF Group Insurance provides a selection of term life insurance options that reflect the diversity of the SAF membership and respond to the changing needs of SAF members. Whether you’re a recent college graduate seeking basic coverage or a veteran SAF member with a family and significant financial commitments to consider, SAF Term Life Insurance offers you the options you need to provide your loved ones with financial security. Get up to $180,000 in coverage You can apply for $20,000 to $180,000 in protection, if you are under age 60 at the time you apply and work at least 30 hours per week. It’s a great way to make sure your coverage keeps pace with your financial and personal responsibilities, even if you already have some life insurance through your employer, or individually. All levels of coverage are subject to insurance company approval. Cover your spouse for up to $60,000 Your spouse, under age 60, can apply for one-half of your selected coverage— up to a maximum of $60,000 — at the same affordable group rates available to members. This added protection can be vital for today’s two-income households and even if the spouse does not work outside of the home. Separated and divorced spouses are not eligible. Benefits DOUBLE for accidental death Your benefits will double — up to $360,000 — for death resulting within 365 days from a covered accident. Benefits will also be paid for accidental dismemberment and loss of sight, speech, and hearing. This Accidental Death and Dismemberment coverage applies to all SAF members age 69 and under. Injury means a bodily injury resulting directly from an accident and independent of all other causes. Loss resulting from sickness or disease, or medical or surgical treatment of a sickness or disease, is not covered. The accident must occur while you are covered under the policy. Loss means, with regard to hands and feet, actual severance through or above wrist or ankle joints; with regard to sight, speech or hearing, entire and irrecoverable loss thereof; with regard to thumb and index finger, actual severance through or above the metacarpophalangeal joints. Living benefits option available If you or your covered spouse age 64 or less is diagnosed as terminally ill, you may elect to receive a one-time payment prior to death, up to a maximum of one-half of the applicable life insurance benefits. The balance of the benefit amount will be paid to the beneficiary upon the insured’s death. A terminal illness is a condition where life expectancy is 12 months or less, confirmed by a written diagnosis and prognosis from two licensed physicians. Only one “Accelerated Benefit for Terminal Illness” is payable for each covered person. These accelerated benefits may be taxable, so please consult your personal tax advisor. This benefit may not be payable in all states. Benefits to help with critical illness If you or your spouse develops a serious disease that is not diagnosed as terminal, you may be eligible for a “Critical Illness” benefit of up to $1,000. This one-time payment can help you pay the high cost of fighting such a disease, and will reduce the total benefit amount paid to the beneficiary upon the insured’s death. This benefit is not available in all states. Critical Illness means Cancer, Heart Attack, or Stroke. 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 which may be considered pre-cancerous, 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 a myocardial infarction is not a heart attack. Stroke means a cerebrovascular accident which 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. Affordable group premiums SAF has put the combined buying power of thousands of members to work for you. Click here to find out how little it can cost to get high-limit protection for your family’s financial future. Term Life Insurance Plan rates Other valuable provisions of the plan Waiver of premiums for disability If you become Totally Disabled for six straight months before age 60 and provide adequate proof of your disability, your Term Life insurance, and that of your spouse, if covered, will continue without further premium payments for as long as you continue to be Totally Disabled. Total Disability, if you are employed, means the inability to engage in any occupation or profession for wage or profit. If you are not employed, it means the inability to perform the usual and customary activities of a person of like age and sex in good health. Premium payments must resume when disability ceases. Portable protection Since the SAF Plan is not tied to your job, its protection can follow you throughout your career and after you retire. Conversion privilege The SAF Term Life Plan provides the opportunity to convert your term life policy to a permanent individual policy with no medical examination. You can choose to convert your coverage when you cease to be insured for any reason except voluntary non-payment of premiums, termination of the Master Policy, or termination of a class of insureds under the Master Policy, subject to certain conditions that will be described in your Certificate of Insurance. Name your own beneficiary You can name your beneficiaries at the time you apply and change your designation any time you wish simply by filing the appropriate written form with the insurance company. You will be the beneficiary of your spouse’s coverage, unless you request otherwise. Only one exclusion for life insurance benefits The life insurance benefit will be paid for death due to any cause except suicide, while sane or insane, during the first two years of coverage under the policy. Exclusions for Accidental Death and Dismemberment Accidental Death and Dismemberment coverage will not pay benefits for any loss caused by or resulting from: intentionally self-inflicted injury, suicide, or attempted suicide, whether sane or insane; war or acts of war, whether declared or not; injury sustained while riding in or on, boarding or alighting from an aircraft as a pilot, crew member, or student pilot or as a flight instructor or examiner; injury sustained while in the armed forces of any country or international authority; sickness or disease or medical or surgical treatment of sickness or disease, except pyogenic infection caused by an accidental cut or wound; participation in a riot or commission of an assault or a felony; voluntary entry into the body of any intoxicant, excitant, hallucinogen, or any narcotic or other drug, or any gas, poison, or poisonous substance. Coverage terminates at age 70. Exclusions for Critical Illness The Critical Illness Benefit will not be payable: if the Covered Person dies within the 30 day period immediately following a Positive Diagnosis of a Critical Illness; if the Covered Person has already received a Critical Illness Benefit; for a Critical Illness which was Positively Diagnosed prior to the Covered Person’s effective date of coverage under this rider; for any disease, sickness or injury, except as expressly stated herein; for a Critical Illness which is diagnosed by the Insured Person or any member of his or her immediate family; or for a Critical Illness which is contracted as a result of war or acts of war, whether declared or not; injury sustained while in the armed forces of any country. Coverage terminates at age 65. The Critical Illness Benefit is not available in all states. Term Life Coverage remains in force to age 80 Once your Certificate of Insurance is issued, coverage will remain in force until you reach age 80. Your dependent's coverage will remain in effect as long as your coverage is active, premiums are paid, and they meet the eligibility requirements. Your coverage cannot be cancelled on an individual basis as long as: -- your premiums are paid when due; -- you remain a member of SAF ; -- the Master Policy remains in force; -- your plan of benefits or class of insureds is not terminated under the Master Policy. Effective date of coverage Your coverage will become effective on the date shown on your Certificate of Insurance, provided the required premium has been paid and you are actively at work on that date or, if not employed, you are able to carry out all the normal and customary activities of a person of like age and sex in good health. Your spouse’s coverage begins on the same day as yours. 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 necessary 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. The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. PA-9369 It’s easy to apply for the SAF Term Life Insurance Plan Get instructions and an application 100% Satisfaction Guarantee Our satisfaction guarantee makes it possible for you to examine the SAF Term Life Insurance Plan without risk. If you aren’t satisfied with the coverage, simply return your Certificate of Insurance within 30 days for a full refund minus any claims paid. THE SAF TERM LIFE INSURANCE PLAN
	Endorsed and recommended by: Society for American Foresters 5400 Grosvenor Lane Bethesda, MD 20814-2198 www.safnet.org
	Administered by: JZA Affinity 7735 Old Georgetown Rd. #800 Bethesda, MD 20814 1-800-865-2727 x 1792
	Underwritten by: Hartford Life and Accident Insurance Company, Simsbury, CT About the Underwriter
	DISCLAIMER: This website explains the general purpose of the insurance described, but in no way changes or affects the Master Policy SRP-1153 A (HLA) (1653) 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. Click here to apply for the SAF Term Life Insurance Plan