An Easy Way To Add Up To $100,000.00 In Coverage

As an MCA Member between the ages of 18 and 59 who is a U.S. resident, you can reinforce your family’s financial security by adding up to $100,000.00 in term life coverage to any coverage you’ve already set up. Spouse coverage may not exceed Member coverage.

Of course, your coverage is extended at economical GROUP rates to help you afford MORE coverage for LESS money.

Plus, MCA negotiated streamlined activation privileges for MCA Members and spouses. Simply verify your good health by answering three simple health questions. There’s no physical and no blood work involved.

NO Military Exclusions or Limitations
In response to America’s war on terrorism and our strong military presence world wide, some other policies are restricted and written with military limitations & exclusions. But that’s not the case with MCA Group Term Life Insurance. There are no military exclusions or limitations!

Termination: Coverage will terminate on the earliest to occur:

• the date the Policy is cancelled; or
• the Premium Due Date on or next following the date You cease to be an active member of the Policyholder; or
• the Premium Due Date on or next following the date You attain the Policy Age Limit shown in the Schedule; or
• the Premium Due Date You fail to pay any required premium, subject to the Grace Period.

Policy age limit is 70 years of age.

Injury means bodily injury resulting directly and independently of all other causes from accident which occurs while you are covered under the Policy.

This is private insurance. This insurance is not associated with SGLI.

Choice of Beneficiary
The benefits payable at your death will be paid according to the beneficiary you designate on your Activation Form unless you change your beneficiary in writing at a later date. If no beneficiary designation has been made, the benefits payable at your death will be paid to the survivors, in equal shares, in the first of the following classes to have a survivor at your death: your spouse, your children, your parents and siblings. If there is no survivor in these classes, payment will be made to your estate. The Member is automatically the beneficiary for spouse coverage.

Conversion Privilege
At the end of your policy period, you will have the right to request an individual conversion policy from the insurer without giving medical evidence of insurability as long as your coverage did not end due to nonpayment of premium or termination of the Master Policy. Please refer to your Certificate of Insurance for more information.

Exclusion for Term Life Benefit
There are no military exclusions in this special MCA program. Suicide is the only exclusion during the first two years of coverage. Benefits paid for death caused by suicide while sane or insane within the first two years of the effective date of insurance are limited to a refund of the premiums paid for the insured’s insurance.

Loss means with regard to: (1) hands and feet, actual severance through or above wrist or ankle joints; (2) sight, speech and hearing, entire and irrecoverable loss thereof; (3) thumb and index finger, actual severance through or above the metacarpophalangeal joints; (4) movement, complete and irreversible paralysis of such limbs.

Notice of Insurance Information Practices
Your application is our major source of information. However, The Hartford may also collect or verify information by contacting individuals or organizations that have information or records about you or others to be insured.
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. The Hartford or its re-insurer(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.
Upon receipt from you, the Bureau will arrange disclosure of any information it may have in your file within 15 days. Medical information will be disclosed only to your attending physician. If you question the accuracy of information in the Bureau’s file, you may contact the Bureau and seek a correction in accordance with the procedures set forth in the Federal Fair Credit Reporting Act. The address of the Bureau’s information office is MOV, Inc., P.O. Box 105, Essex Station, Boston, MA 02110; telephone number 1-866-692-6901 (TTY 866-346-3642 for hearing impaired).
The Hartford or its re-insurer(s) may also release information in your file to other insurance companies to which you may apply for life or health insurance, or to which a claim for benefits may be submitted. Upon written request, The Hartford will provide you with information in your file. Medical information will be disclosed only through a physician you designate. Details regarding your right to correct or amend information in your file will be furnished upon written request. If you would like further details, contact The Hartford, P.O. Box 2999, Hartford, CT 06104-2999, Attn: Group Benefits Department.

NOTE: This information 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 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.

Endorsed by:
Underwritten by:	Hartford Life and Accident Insurance Company Simsbury, CT 06089

The Hartford® is The Hartford Financial Services Group, Inc., and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company.

John B. Wigle, License No. 0482924

MCA Insurance Program Administered by:
A.G.I.A., Inc.
P.O. Box 21357, Santa Barbara, CA 93121-9911
Questions? Call toll-free 1-866-340-4360

Policy Form SRP-1153 A (HLA) (1737)

NO RISK WITH 30-DAY FREE LOOK

You don’t risk a penny when you activate MCA’s special group term life benefits today. That’s because you’re fully backed by our 100% Satisfaction Guarantee.

As soon as you sign up, we’ll mail your Certificate of Insurance outlining the full terms and conditions of this exclusive MCA benefit program. Take up to 30 days to look it over. If it wasn’t what you had in mind, mail back the Certificate for a 100% refund.

ACTIVATE IMMEDIATELY FOR PROMPT COVERAGE

Because there’s no medical exam involved, adding to your family’s financial safety net is easy. Simply download the Activation Form on this website and mail it in to get things started.

Your MCA Group Term Life coverage start on the first of the month after your coverage has been approved and first premium payment is received by the Plan Administrator. Acceptance into this plan is subject to medical evidence of insurability as determined by The Hartford.

Plus, once your benefits are activated, you can rest assured your rates will not go up due to changes in your health. And you can keep your MCA coverage until age 70 as long as you pay your premium on time, remain an MCA Member and the Master Policy remains in force.