An Easy Way To Add Life Coverage

At an age when many Americans report that adding extra life insurance is next to impossible, you can now conveniently boost your family’s financial cushion by as much as $50,000.00 through the MCA 50+ Life Plan.

This program is an ideal opportunity:

• To replace coverage you got through work that ends as you retire or cut back on your hours …
• To rebuild a safety net that’s diminished in value as you got older …
• To add important additional coverage to help pay off a mortgage, medical bills, or final expenses ...

In a nutshell, MCA’s 50+ Life Plan is an easy way to help fill a critical money gap for your loved ones – with additional life insurance benefits sent straight to your family just when they need it most.

Plus, as an MCA Member between the ages of 50 and 69 who lives in the U.S., you and your spouse qualify for streamlined enrollment procedures. No insurance agent will visit your home. All we need at this point is your verification of your good health status.

Choice of Beneficiary
The benefits payable at your death will be paid according to the beneficiary you designate on your Enrollment 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.

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.

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 a 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.

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 these materials 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

Acceptance into this plan and premium rate is subject to medical evidence of insurability as determined by The Hartford and underwriting guidelines. As part of the evidence of insurability process, 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 no expense to you.

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) (1739)

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

TAKE A CLOSER LOOK AT NO RISK

Mailing in your Application Form places you under NO obligation today. We understand you’re just taking a closer look at this important program.

As soon as your benefits are approved, we’ll mail your Certificate of Insurance outlining the full terms and conditions of this exclusive MCA program. Take up to 30 days to look it over. You don’t send in any money until you’re completely satisfied. If it wasn’t what you had in mind, just mail back the Certificate and we’ll close your benefit file. You won’t owe a single penny.

REINFORCE YOUR FAMILY’S FINANCIAL CUSHION WITH EXTRA MCA BENEFITS

Everything you need to request coverage in the MCA 50+ Life Plan is included on this website. Simply download the Application Form and mail it in to get things started.

Your MCA 50+ Life benefits start on the first of the month after your coverage has been approved and first premium payment is received by the plan administrator. You and your insured spouse must be able to perform the normal activities of a person of like age and sex with like occupation or retired status on the date your benefits are to take effect. If not, your coverage will start on the day you or your spouse resume such activities. 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 protection can stay in force until you reach age 95. Your 50+ Life benefits will continue as long as premiums are paid when due, you remain an MCA member and the group policy remains in force. At age 75, benefits reduce to 50 percent of the original amount of life insurance or $20,000, whichever is less. At age 95, you can convert your current benefits to permanent life insurance if you wish.

We will pay the Accelerated Benefit Amount as stated below, provided the Covered Person has been covered under the Policy for at least 180 days, and:

• is covered for a Life Insurance Benefit Amount under the Policy of at least $10,000;
• is under age 60;
• is Terminally Ill, as defined below and gives us satisfactory proof of such Terminal Illness; and
• requests in writing a portion of the amount of his or her Life Insurance Benefit be paid as an Accelerated Benefit

The Accelerated Benefit Amount is the amount requested by the Covered Person subject to a minimum amount of $3,000, and a maximum of $30,000. However, in no event will the Accelerated Benefit Amount exceed 60% of the Covered Person's Life Insurance Benefit Amount.

Any benefits received under this rider may be taxable. Please consult a personal Tax Advisor for further information.