You can relax better knowing you have more life protection for your loved ones with the AFSA Life Insurance Plan. Plus, if you have a Heart Attack, Cancer, or Stroke, you can use the additional $1,000.00 cash any way you want.
Coverage may vary and may not be available in all states.
The following outline of the AFSA Simplified Issue Term Life Insurance Plan benefits is posted exclusively for AFSA members and their spouses:
Simplified Issue Plan Monthly Group Rates
|$25,000 Benefit||$50,000 Benefit||$75,000 Benefit||$100,000 Benefit|
|Under age 35||$ 2.00||$3.67||$4.00||$7.34||$6.00||$11.01||$8.00||$14.68|
Simplified Issue Plan Monthly Group Rates (Continued)
|$125,000 Benefit||$150,000 Benefit||$175,000 Benefit||$200,000 Benefit||$10,000 Benefit|
|Under age 35||$10.00||$18.35||$12.00||$22.02||$14.00||$25.69||$16.00||$29.36||$1.25|
Information regarding your insurability will be treated as confidential. Such information will not be disclosed to others without your authorization, except to the extent necessary for the conduct of our business. Hartford Life and Accident Insurance Company or its reinsurer(s) may, however, make a brief report thereon to the Medical Information Bureau, a non-profit membership organization of life insurance companies, which operates an information exchange on behalf of its members. If you apply to another Bureau member company for life or health insurance coverage, or a claim for benefits is submitted to such a company, the Bureau, upon request, will supply such company with the information in its file.
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 – 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 1-866-692-6901 (TTY 1-866-346-3642). 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.
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.
This is private insurance. This is not associated with SGLI.
We're here to help! Please contact us in whatever manner is most convenient for you.
12421 Meredith Drive
Urbandale, IA 50398
M-F 7:30a-5p, Sat 8a-1p CT
Hartford Life and Accident Insurance Company
One Hartford Plaza
Hartford, CT 06155
Can my spouse obtain separate coverage?
No, a spouse may only be covered if the AFSA member is covered, under most of the plans. See your Certificate of Insurance for more details.
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 do rates work on the Group insurance plans?
Premium contributions 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.
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.
Who recommends/approves the benefit changes or rate changes?
The insurance company 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 AFSA 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. AFSA 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?
This Simplified Issue 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.