Group Term Life Insurance is issued on Policy/Certificate Form Series GLMP-3002/GLC-3002, by Guarantee Trust Life Insurance Company, Glenview, IL. This product, and its features are subject to state availability and may vary by state. Certain exclusions and limitation apply. The primary member (ages 18-64) is eligible for a $10,000 Group Life Insurance. Members aged 65-69 are eligible for a $5,000 Group Life Insurance plus $5,000 Accident Only coverage. Members aged 70 and older are eligible for $10,000 Accident Only coverage.
For Member with Spouse or Family plan the Spouse aged 18-64 are eligible for $5,000 Group Life Insurance. Spouse aged 65-69 are eligible for $2,500 Group Life Insurance Plus $2,500 Accident Only coverage. Spouses aged 70 and older are eligible for $5,000 Accident Only. For Member with Children or Family plan the benefit amount for a Child is $2,500 Accident Only during 12 month waiting period and $2,500 Group Life Insurance after 12 month waiting period payable to Termination Age.
There is a 12 month waiting period on the Life Insurance, when only Accidental death benefit is payable when death is due to accidental causes.
The following rates apply for coverge underwritten by Guarantee Trust Life Insurance Company as part of your membership is as follows; Individual =$3.40, Individual + Children= $3.90, Individual + Spouse = $5.40, Family = $5.90.
If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.
If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit, We will pay the benefit in the amount set opposite such loss, as shown on the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, We will pay only one amount, the largest to which the Covered Person is entitled.
This benefit is subject to all the terms, conditions, and exclusions of this Certificate.
Exclusions: No benefits are payable for any loss caused by:
Coverage is subject to termination in accordance with the Association Group Master Policy provisions. Notice of termination provided to the Association is considered notification to all Association Members and will not be sent to you individually by GTL.
Guarantee Trust Life Insurance Company, MedElite, Evolution Benefits Assocation are separate legal entities and have sole financial responsibility for their own products. Guarantee Trust Life Insurance Company (GTL) provides the Group Accident Only insurance. GTL does not provide nor is affiliated with the discount programs provided as a part of membership in Evolution Benefits Assocation.
The Group Accident Only Insurance is subject to terms, definitions, condition, exclusions, and limitations of the group policy. All members of Evolution Benefits Assocation are eligible to receive these benefits. These insurance benefits are underwritten by Guarantee Trust Life Insurance Company.
Coverage becomes effective on the date provided in your Membership material. Guarantee Trust Life Insurance Company (GTL) provides the Group Accident Only Insurance. GTL does not provide nor is it affiliated with the discounts provided as a part of membership in MedElite. The Group Accident Insurance is issued on Form Series MP-1400/MP-1300, Certificate Form Series GC-1400/GC-1300, and Benefit Form Series GRG15CR and GRG15HAS, by Guarantee Trust Life Insurance Company, Glenview, Illinois. This product and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply. For cost and complete details of coverage, please contact us or your agent.
The following rates apply for coverge underwritten by Guarantee Trust Life Insurance Company as part of your membership in the Evolution Benefits Association; $10,000 Group Accident Only: MedElite: Individual =$7.51, Individual + Children= $10.40, Individual + Spouse = $13.28, Family = $19.04. MedElite PLUS: Individual =$26.07, Individual + Children = $32.67, Individual + Spouse = $50.40, Family = $59.88.
The Policy does not provide benefits for:
A pre-existing condition is not eligible for benefits unless the Diagnosis occurs after this Effective Date and the Waiting Period, if any, has expired. We will not pay benefits for a Pre-Existing Condition that is Diagnosed within the Pre-Existing Period stated in the Schedule of Benefits. A Pre-Existing Condition is not covered unless the loss begins after the Benefit Eligibility Period for Pre-Existing Conditions has elapsed, as stated in the Schedule of Benefits.
There is a 60 day waiting period for the Limited Specified Disease Benefit for Heart Attack and Stroke along with the Cancer Lump Sum Benefit. Cancer means a disease manifested by the presence of a malignancy characterized by the uncontrolled growth and abnormal spread of malignant cells and the invasion of body tissue by such malignant cells. Cancer includes Hodgkin’s disease and leukemia. This definition excludes such cancers as:
Cancer will not be a covered condition when advice or treatment is received within the Waiting Period, if any, or prior to the Effective Date, and such advice or treatment leads to the Diagnosis of Cancer. If tissue is extracted during the Waiting Period, if any, or prior to the Effective Date, and results in a Diagnosis of Cancer, this will not be a covered condition. If Cancer is Diagnosed and/or treated within the Waiting Period, or if medical advice is given within the Waiting Period which leads to the subsequent Diagnosis of Cancer after the Waiting Period, the Covered Person has the option to cancel the Benefit and receive a refund of all premiums paid on this Benefit. For the purposes of this Benefit, the date of Diagnosis will be considered to be the earlier of the date of clinical Diagnosis or the date the specimen used to diagnose Cancer is taken.
Cancer Benefit and Specified Disease Benefit Exclusions:
We will not pay benefits for:
Guarantee Trust Life Insurance Company, Evolution Benefits Association, Coverdell, SAS insurance development and Arthur J. Gallagher are separate legal entities and have sole financial responsibility for their own products.
You have the option of downloading your certificate electronically. If you choose to do so, you are consenting to accept electronic delivery of your certificate. You also have the right at any time to receive a hard copy of your certificate.
Billing/Customer Service: Unified TPA, LLC
Evolutions Benefits Association | EFFECTIVE INSURANCE DESIGNS, INC. | GUARANTEE TRUST LIFE | MedElite