• Eligibility
• Spouse and Employee Coverage
• No Annual Policy Fee
• Level Term for 10 or 20 Years
• Optional Accidental Death Benefit
• Optional Children's Insurance Rider
• Continuous Coverage to Age 75
• A Pay-Out for Terminal Illness
• Conversion
• Ownership Transfer Available
• Exclusions
• Underwriting your Application
• The Organization Behind The Coverage

10YR Enrollment Kit (Fully Underwritten) >

20YR Enrollment Kit (Fully Underwritten) >

Eligibility

The Florida Bar members and employees under age 65 (under age 55 for 20-Year Level rates) who are actively at work are eligible for coverage. Your spouse is eligible to apply for coverage through age 65 (age 55 for 20-Year Level rates) if you are a Bar member (participating in the plan) and your spouse is able to conduct the normal activities of a person of like age and gender, and is in good health.

Spouse and Employee Coverage

Spouses can apply for coverage amounts of $200,000 to $300,000 in $5,000 increments, not to exceed to 50% of the member's coverage amount. Employees can apply for coverage amounts of $200,000 to $250,000 in $5,000 increments.

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No Annual Policy Fee

With this plan, you never pay an annual policy fee. You pay only the premiums indicated in the table on the front of this letter.

Level Term for 10 or 20 Years

At the end of the level term period, evidence of insurability is required to enter another level term period (subject to the maximum age to begin a level term period). If evidence of insurability is not provided or not approved by ReliaStar Life, rates will be based on the five-year age brackets for the insured's current age.

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Optional Accidental Death & Dismemberment Benefit

The unexpected financial "shock" of an accident can be devastating to a family. That's why this plan offers a special accident safeguard. The accidental death and dismemberment benefit (AD&D) option pays your beneficiary the amount of coverage you select if you die in a covered accident.

In addition, if you are dismembered or lose your sight in a covered accident, you will receive a portion of your coverage, depending on the accident's severity.

Optional Children's Insurance Rider

This rider provides options of $5,000 or $10,000 of coverage for your dependent children. One premium covers all eligible unmarried dependent children, ages 6 months to 21 years, or to age 25 if a full-time student. Children ages 14 days to 6 months are eligible for $500 or $1,000.

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Continuous Coverage to Age 75

Coverage will not reduce during your level term period. For members and spouses who are under age 65 at the end of a level term period, coverage will not reduce until age 65. Coverage will reduce to 50% at age 65, to the lesser of 25% or 25,000 at age 70, and terminate at age 75.

For members and spouses who are 65 to 70 at the end of a level term period, coverage will reduce to 50%, and thereafter to the lesser of 25% or 25,000 at age 70. For members and spouses who are age 70 to 75 at the end of a level term period, coverage will reduce to the lesser of 25% or 25,000, and terminate at age 75.

Coverage for employees will also reduce and terminate according to a schedule. Contact us for more information.

Coverage is subject to renewal by The Florida Bar and timely premium payment. Upon termination, the insured may convert to an individual whole life policy, without proof of good health.

A Pay-Out for Terminal Illness

If you are terminally ill and have a life expectancy of six months or less, you can receive a portion of your death benefit before dying. This is called the accelerated life benefit. You can receive a payment of 50 percent of your coverage, to a maximum of $100,000. All remaining insurance benefits will be paid to your beneficiary when you die.

Conversion

If an insured later becomes ineligible for this group coverage, conversion to an individual whole life policy is allowed, without proof of good health. Accelerated life coverage is excluded from conversion.

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Ownership Transfer Available

The provisions of this group policy allow you to transfer ownership of coverage to your spouse, business partner, professional corporation or a trust. Contact your tax advisor for the potential advantages or disadvantages related to ownership transfer.

Exclusions

The only death claims against your group term life insurance to be denied will be for misrepresentation on your application, or death by suicide within the first two years of coverage. Please read your insurance certificate for details. For information on termination of coverage, also consult your certificate.

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Underwriting your Application

Some applicants may be required to have a medical exam in order to apply for coverage. Contact us for more information on medical requirements.

The Organization Behind The Coverage

Insurance products provided by ReliaStar Life Insurance Company, which is a wholly owned subsidiary of ING Groep N.V., an Amsterdam-based global leader in integrated financial services that ranks 17th on the Fortune "Global 500" list of the world's largest corporations based on revenue (Fortune, July 26, 2004). Each insurer is solely responsible for the financial obligations under the policies or contracts it issues.

This product information is for summary purposes only. If approved for coverage, you will receive a Certificate of Insurance with a complete description of benefits and limitations. Please read you Certificate of Insurance. Policy form LP08GP. Florida Licensed Agent: Earl C. Trefry, Jr. CLU

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