One of the premiere benefits of your membership in the Heartland Association is the Group Term Life Insurance. Life insurance is one of the most cost-effective ways to safeguard the dreams of future generations. While you could never be replaced, life insurance can help your family weather the financial burden resulting from a loss of income due to your death.
The primary member (ages 18-69) is eligible for a $20,000 Grou Life Insurance. Members aged 70 and older are eligible for $20,000 Accident Only coverage.
Death benefits are subject to a Waiting Period of 6 months. During the Waiting Period, benefit is limited to only accidental causes.
Term life insurance offers effective protection for times when your family needs it the most. Restrictions may apply.
If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the insurance company will be liable only for an amount equal to the Premium paid.
If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit, We will pay the benefit in the amount set opposite such loss, as shown on the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, We will pay only one amount, the largest to which the Covered Person is entitled.
This benefit is subject to all the terms, conditions and exclusions of this Certificate.
Exclusions: No benefits are payable for any loss caused by:
The following rates apply for coverage underwritten by Guarantee Trust Life Insurance company as part of your membership in the Heartland Alliance of America. The rates by plan are: Group Accident Only AME $10,000 with $500 deductible, AD&D $10,000: Composit Rate = $11.00 per month.
The Policy does not provide benefits for:
Guarantee Trust Life Insurance company and Heartland Alliance of America, Coverdell, Careington International Corporation, Investors Heritage Life Insurance Company and Arthur J. Gallagher are separate legal entities and have sole financial responsibility for their own products.
Guarantee Trust Life Insurance company (GTL) provides the $20,000 Group Life Insurnace and $10,000 Group Accident Only insurance. GTL does not provide nor is affiliated with the discount programs provided as a part of membership in Heartland Alliance of America.
Exclusions and limitations may vary by state. For complete details of coverage, please refer to the certificate.
You have the option of downloading your certificate electronically. If you choose to do so, you are consenting to accept electronic delivery of your certificate. You also have the right at any time to receive a hard copy of your certificate. If you choose this option, please call 1-(833) 469-4228.
If, within 90 days from the date of an Accident which occurs while coverage is in force, Injury from such Accident results in a loss covered by this benefit, We will pay the benefit in the amount set opposite such loss, as shown on the Schedule of Benefits. If more than one such loss is sustained as the result of one Accident, We will pay only one amount, the largest to which the Covered Person is entitled.
This benefit is subject to all the terms, conditions and exclusions of this Certificate. Exclusions: No benefits are payable for any loss caused by:
If a Covered Person dies as the result of suicide or any attempt at suicide, while sane or insane within two years of his Effective Date of coverage, the Insurance Company will be liable only for an amount equal to the Premium paid. With respect to an increase in the amount of insurance, the Insurance Company will consider the two year period to begin as of the effective date of such increase. Our return of such Premium will be in lieu of all other benefits under this Certificate which may have been payable for that Covered Person.
The following list of companies are separate legal entities and have sole financial responsibility for their own products.
I may cancel automatic payments at any time by calling Customer Service at (833) 645-5306. I understand that I may terminate the scheduled payments by providing notification to the Customer Service team five (5) business day prior to the next scheduled payment date. This advance notice allows processing time to ensure the termination occurs prior to the next scheduled payment date. Automatic payment termination cannot be guaranteed with respect to notice provided outside of this window. If I am not satisfied with my membership, I may cancel within thirty (30) days from my membership’s effective date and I may be eligible to receive a full refund on the monthly membership dues collected for that month (Setup fee is not refundable). All cancellations must be directed to Customer Service at (833) 645-5306. Cancellations are processed Monday–Friday from 7 a.m. to 7 p.m. Central Time. All cancellation requests must be made five (5) days prior to the billing date in order to cancel the membership for that month. This advance notice allows processing time to ensure the cancellation occurs prior to the next scheduled payment date. Cancellations cannot be guaranteed with respect to notice provided outside of this window. If a cancellation request is received on or after the recurring billing date and the payment has been drafted, the membership will terminate prior to the next billing date and the member will be covered through the next month. By submitting a claim during the first 30 days, I acknowledge and agree that such a submission constitutes acceptance of the membership, the products, and their terms and submission of such a claim constitutes a waiver of any and all refund rights, including those noted in the foregoing paragraph. I request to reinstate within 30 days of cancelation the waiting period will not be in effect for the Life policies, if after the 30 days then there is a new 180 day waiting period for the life poicies.