Group Term Life & AD&D Insurance

AVAILABILITY:
Missouri Bar Members

Nothing can replace the loss of a loved one, but carefully chosen life insurance can help provide the funds your spouse and dependents need for a secure, comfortable future. We offer three plans from which to choose.

The Missouri Bar Group Term Life Insurance Program now offering coverage to it's members with no medical exam for a limited time.

Click here for more information on simplified issue.

Applications & Forms

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GROUP LEVEL TERM LIFE INSURANCE

How does Level Term differ from Annual Term? With Level Term, premium and benefit are designed to remain the same (level) for a specific period of time. At the end of that period you will need to show proof of insurability to obtain another level term plan.

  • ACCELERATED LIFE BENEFIT
  • COVERAGE CAN BE APPLIED FOR THROUGH AGE 60 (10-YEAR) OR AGE 50 (20-YEAR)
  • PREMIUM REMAINS LEVEL FOR THE TERM OF YOUR COVERAGE*
  • MEMBER LIFE UP TO $1,000,000
  • SPOUSE LIFE UP TO $500,000
  • DEPENDENT LIFE UP TO $20,000
  • EMPLOYEE LIFE UP TO $250,000
  • ACCIDENTAL DEATH AND DISMEMBERMENT FOR MEMBER AND SPOUSE: UP TO $500,000 AND EMPLOYEES OF MEMBER UP TO $250,000
  • 10-YEAR OR 20-YEAR TERMS AVAILABLE
  • DISABILITY WAIVER OF PREMIUM BENEFIT
  • SPOUSE OF EMPLOYEE LIFE UP TO $250,000

GROUP ANNUAL TERM LIFE INSURANCE

Once approved for coverage by the insurer, and as long as your premium is paid and the group policy remains in force, you will have life insurance until age 75 without showing further proof of insurability. The group policy renews automatically on an annual basis.

  • MEMBER LIFE UP TO $1,000,000
  • SPOUSE LIFE UP TO $500,000
  • EMPLOYEE LIFE UP TO $250,000
  • SPOUSE OF EMPLOYEE LIFE UP TO $250,000
  • CHILD LIFE UP TO $20,000 (CHILDREN AGES 15 DAYS TO SIX MONTHS UP TO $4,000)
  • MEMBER AND SPOUSE ACCIDENTAL DEATH AND DISMEMBERMENT UP TO $500,000. EMPLOYEE OF MEMBER UP TO $250,000
  • DISABILITY WAIVER OF PREMIUM BENEFIT
  • ACCELERATED LIFE BENEFIT

GROUP ACCIDENTAL DEATH & DISMEMBERMENT INSURANCE

Insurance coverage that is available, even if you don’t qualify for life insurance. Protect yourself and your family against the risk of death or dismemberment from a covered accident.** This coverage is guaranteed issue.

  • MEMBER COVERAGE FROM $50,000 UP TO $750,000
  • COVERS ANY ELIGIBLE ACCIDENT
  • 24-HOUR WORLDWIDE INSURANCE COVERAGE
  • BENEFICIARY DESIGNATION IS YOUR CHOICE
  • CAN CHOOSE MEMBER-ONLY COVERAGE OR MEMBER AND FAMILY
  • MONTHLY AUTOMATIC CHECKING OR SAVINGS PREMIUM WITHDRAWAL OPTION AVAILABLE

*The initial premium will not change for the level term period unless the insurance company exercises its right to change premium rates for all insureds covered under the group policy with 60 days advance written notice.

Group Term Life and Group AD&D insurance coverage is provided under the terms of group insurance policies, Group Policy 31281-9, issued and delivered in the State of Missouri to The Missouri Bar as the policyholder. The group insurance policies are issued by ReliaStar Life Insurance Company, Minneapolis, MN. The policies are administered on behalf of ReliaStar Life Insurance Company by The Bar Plan Insurance Agency, Inc., an administrator licensed in the state of Missouri. Policy forms LP08GPMO and HP010GP.

**For more product details and a list of full AD&D exclusions, please refer to the brochure.

 

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