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Group Term Life Insurance Plan
Underwritten by Monumental Life Insurance Company, Cedar Rapids, IA
Benefits at a Glance for Your Association-Sponsored Coverage.
If you’re like most people, you may already
Convenient Payment Option
have some life insurance coverage. But, if you
Premiums for coverage for you and your spouse (if applicable) can automatically be deducted from the
haven’t updated it lately, it may not be enough.
financial institution of your choice, or a bill can be
That’s why we’ve worked hard to develop a
life insurance program customized for our
Benefits Never Reduce
Your coverage will never decrease — regardless of
members. This program uses the buying power
your age or changes in your health; subject to when the
of our strong membership to bring you the most
affordable rates on the coverage you may need
to protect those you care about most.
Unlike many term life insurance plans, this one is yours to keep until you reach age 120. It cannot be cancelled because of your age or any changes in your health.
You Will Never Be Singled Out For An
Choose a benefit amount of $10,000, $15,000 or
Individual* Rate Increase
$25,000. Keep in mind, the benefit amount you choose
The rate you pay for this life insurance will always be
will automatically DOUBLE if you suffer a covered
based on your age when coverage begins. That’s why it
makes sense to enroll now — before your next birthday.
No matter how long you keep your coverage — or how
You simply cannot be turned down, if you’re a member
the state of your health changes —you will never be
between the ages of 45 and 75. Your acceptance is
singled out for an individual* rate increase.
guaranteed without a medical exam…or answering
*Rates may be changed only if they are changed for the entire group.
a single health question. A two-year limited benefit period makes this possible.
Optional Spouse Coverage
Both you and your spouse are eligible for up to $25,000
Here is how it works:
If a non-accidental death
in valuable term life insurance. Your spouse can enroll
occurs for reasons other than those listed under the
on the same form as you. Spouse’s benefit cannot exceed
Life Exclusions, the plan will pay 125% of your initial
annual premium the first year and 250% of the initial
premium the second year. After that, the full benefit
Your satisfaction is assured when you enroll. Each
amount will be paid for death from any cause.
Certificate of Insurance comes with a 30-day, money-
DOUBLE Benefits For Accidents
You’re insured for any covered accidental death from day one. And you’re covered for DOUBLE the amount
If you are not completely satisfied with your coverage
of protection you choose. That means your beneficiary
— no matter what the reason — all you have to do is
return your policy to us within 30 days of receiving it.
Affordable Group Rates
Any premiums paid by you will be refunded promptly…
These group rates are significantly lower than those
Enroll Today for the Best Possible Coverage … at the Lowest Possible Price.
The rates shown have been developed for members and
$32.20 $26.70 $47.80 $39.55 $79.00 $65.25
their spouses. They are lower than those you’d pay as an
$33.20 $27.60 $49.30 $40.90 $81.50 $67.50
individual — for the same exact coverage.
$34.20 $28.50 $50.80 $42.25 $84.00 $69.75
And, no matter how long you keep this insurance, the rate
$35.20 $29.40 $52.30 $43.60 $86.50 $72.00
$36.20 $30.30 $53.80 $44.95 $89.00 $74.25
you pay will always be based on your age the day coverage
$37.30 $31.10 $55.45 $46.15 $91.75 $76.25
starts. That’s why it pays to enroll now — before you turn
$38.30 $32.00 $56.95 $47.50 $94.25 $78.50
$39.30 $32.90 $58.45 $48.85 $96.75 $80.75
When you enroll, your rate will not increase automatically
$41.30 $34.50 $61.45 $51.25 $101.75 $84.75
$43.30 $36.10 $64.45 $53.65 $106.75 $88.75
over time. You will never be singled out for an individual
$45.40 $37.60 $67.60 $55.90 $112.00 $92.50
rate increase— regardless of your age or health. Rates may
$47.40 $39.20 $70.60 $58.30 $117.00 $96.50
be changed only if they are changed for the entire group.
$49.40 $40.80 $73.60 $60.70 $122.00 $100.50
$51.50 $41.90 $76.75 $62.35 $127.25 $103.25
$53.60 $43.00 $79.90 $64.00 $132.50 $106.00
$55.60 $44.20 $82.90 $65.80 $137.50 $109.00
$57.70 $45.30 $86.05 $67.45 $142.75 $111.75
$59.80 $46.40 $89.20 $69.10 $148.00 $114.50
$62.40 $48.30 $93.10 $71.95 $154.50 $119.25
It’s Easy to Enroll.
$64.90 $50.20 $96.85 $74.80 $160.75 $124.00
1. Just complete the enclosed enrollment form.
$67.50 $52.00 $100.75 $77.50 $167.25 $128.50
$70.00 $53.90 $104.50 $80.35 $173.50 $133.25
$72.60 $55.80 $108.40 $83.20 $180.00 $138.00
2. Mail today in the postage-paid envelope.
$78.30 $60.50 $116.95 $90.25 $194.25 $149.75
Remember, you have nothing to lose. A 30-day, money-
$84.00 $65.20 $125.50 $97.30 $208.50 $161.50
back guarantee assures your satisfaction.
$89.80 $69.90 $134.20 $104.35 $223.00 $173.25
$95.50 $74.60 $142.75 $111.40 $237.25 $185.00
$101.20 $79.30 $151.30 $118.45 $251.50 $196.75
$106.90 $84.00 $159.85 $125.50 $265.75 $208.50
$112.60 $88.70 $168.40 $132.55 $280.00 $220.25
$118.40 $93.40 $177.10 $139.60 $294.50 $232.00
IMPORTANT: Spouse benefit amount cannot be greater than member’s.
(The above costs are the monthly rate and include a $1.00 administrative fee.)
the plan administrator, at:1-800-723-BNAI (2624)
Accidental Death Exclusions
Monday through Friday, 9:00 a.m. to 5:00 p.m. ET
We will not pay a benefit for a loss which is caused by, results from,
or contributed to by: suicide, attempted suicide or intentionally
self-inflicted injury while sane or insane (in Missouri and Colorado
while sane); any war or act of war (declared or undeclared); full-
time military service; sickness or its medical or surgical treatment,
including diagnosis; bacterial infection except through a wound
From a Company You Can Trust
accidentally sustained; participating in a riot, committing an assault
Monumental Life Insurance Company (Cedar Rapids, IA)
or felony; alcohol intoxication, as defined in the state where the
was selected to underwrite this program. Monumental Life
accident occurred; taking of any drug, medication, narcotic or
Insurance Company, 4333 Edgewood Road, Cedar Rapids,
hallucinogen, unless as prescribed by a Physician; operating or
IA 52499. Monumental Life, an Aegon Company, was
riding in any kind of aircraft, except as a fare-paying passenger on a
rated “A+” (Superior) for financial strength and operating
regularly scheduled commercial flight or as a passenger in a transport
performance by A.M. Best Company in insurance company
plane operated by the Military Airlift Command (MAC) of the United
ratings and analysis for May 30, 2007. This is the second
States of America; taking of alcohol in combination with any drug,
highest rating given by A.M. Best, one of America’s leading
medication or sedative; voluntary gas inhalation or poison voluntarily
taken, administered or inhaled; riding or driving as a professional in
independent insurance company analysts. TL1000GPM,
any kind of race for prize money or profit. Exclusions may differ in
your state. See your Certificate of Insurance for details.Life Exclusions
The only situation not covered is suicide within two years (one
year in North Dakota and Colorado) after the effective date of this
Administered by Selman & Company
coverage. There will be a refund of premiums paid. In Missouri,
suicide is no defense to payment of benefits unless the Company can
show you intended suicide when you applied/enrolled for coverage.
Mental Health and Psychosocial Support (MHPSS) In Humanitarian Emergencies: What Should General Health Coordinators Know?1 1. Background This document has been prepared for general health coordinators working at national and sub-national level in low and middle income countries. These include national-level Health Cluster members, such as general health coordinators for government, UN and non-U
D E N T I S T R Y A B S T R A C T Background. In December 2003, the National High Blood Pressure Education Program of the National Heart, Lung, and Blood Institute finalized the Seventh Report of the Joint National Committee on Prevention, Detection, Evaluation, and Treatment of High Blood Pressure, called JNC 7. Overview and Conclusions. On the basis of new trials and observational CO