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OverviewBenefitsRatesFAQsTermsNo Risk
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.
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Full MCA Coverage - Starts On Day 1 Once Approved
Perhaps you’ve seen other plans for older Americans that offer strictly limited benefits for the first few years of coverage. This is NOT the case with MCA’s 50+ Life.
First, this MCA 50+ Life plan stands above others on the market because the it rewards you with full coverage starting on Day 1 once approved. Secondly, your protection is NOT limited to certain situations or paid only in the event of an accident. Your coverage is NOT delayed until you've been in the plan for a certain amount of time.
You lock in full coverage starting on Day 1 once approved. Your protection is NOT limited to certain situations or paid only in the event of an accident. Your coverage is NOT delayed until you’ve been in the plan for a certain amount of time.
With the 50+ Life Plan, you can select the coverage that best meets your current needs. If you’re between the ages of 50 and 54, you’re eligible for $10,000.00, $25,000.00 or $50,000.00 coverage. If you’re aged 55 to 59, you can get $10,000.00 or $25,000.00. If you’re 60 to 69, you can enroll for $10,000.00 coverage.
Keep Your MCA Protection For The Long Haul
MCA also made sure your 50+ Life coverage would stand by your side for the long run. Both you and your spouse can continue your coverage all the way to age 95. Then, after you reach age 95, you have the right to convert your MCA coverage to a permanent life insurance plan – with no medical exam required.
Collect Up To 60% Of Your Benefits Before Your Death
But what if you’re diagnosed with a serious illness and need extra money to help your family make ends meet BEFORE your death? MCA’s 50+ Life Plan gives you an important option in that situation.
You can request as much as 60% of your life coverage to be paid in advance if you’re diagnosed with a terminal illness with less than six months to live. Your family will then receive the remainder of your benefits after your death.
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.
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Economical Group Rates Help You Hold Down Expenses
MCA set up the 50+ Life Plan as pure term protection. That means there are no cash values or other bells and whistles to drive up costs. As a result, you can hold down expenses with the program’s money-saving group rates. See for yourself:
To determine your affordable group cost, simply select the benefit amount you want and find the monthly premium cost that applies to your current age.

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*These are renewal rates only. At age 75, the benefit amount will be reduced to 50 percent of the original amount of life insurance or $20,000, whichever is less. Rates are based on the attained age of the Insured and increases as you enter each new age category. You can never be singled out for a rate increase; premiums may be increased only on a class-wide basis. You will be billed on a quarterly basis.
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How can MCA set up a solid life insurance program for older members – just when other programs are often cutting back on benefits?
Because MCA went to the bargaining table armed with the good health history of Marine Corps families. That’s important ammunition. And the result was a reliable safety net to help you add to your family’s financial cushion … to minimize the impact of benefit cutbacks in other coverage … or simply to combat the bite inflation has taken out of life insurance set up years ago.
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I’ve seen other plans where coverage doesn’t start right away. Am I protected from Day 1 with this MCA plan?
Absolutely. You’re completely protected … beginning the first day your coverage is effective. Your coverage is NOT delayed. Your protection is NOT restricted to only accidents or certain health issues. You can rest assured MCA’s 50+ Life Plan stands by your side – come what may.
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I’m on a fixed budget. Won’t adding insurance at my age be expensive?
Not with MCA’s 50+ Life Plan. You have two special advantages with the 50+ Life Plan: (1) You get GROUP coverage. That means the rates are often much lower than coverage you might set up on your own or through the internet. (2) MCA set the program up specifically for older Members. And we made sure the rates were set as low as possible – to make sure cost wouldn’t be an issue.
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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.
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Endorsed by:
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Underwritten by:
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Hartford Life and Accident Insurance Company
Simsbury, CT 06089
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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.
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Add Protection To Your Family’s Financial Safety Net
NO RISK WITH 30-DAY FREE LOOK
You don’t risk a penny today by mailing in your Enrollment Form today.
As soon as your 50+ benefits are approved, you’ll be mailed an official Certificate of Insurance. Take up to 30 days to look it over. If it’s not what you had in mind, just mail back the Certificate. You won’t owe a single penny if you’re not completely satisfied.
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