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"America's Association for ELITE Benefits"

Silver Enhanced Members Only

Heartland Alliance of America is proud to announce the addition of a new benefit to the membership portfolio. The eligible primary Member (ages 18-69) will now enjoy $15,000 of Group Term Life Insurance coverage.*

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.

Term life insurance offers effective protection for times when your family needs it the most. Restrictions may apply. Please review the Terms and Conditions or your Insurance Certificate.

Life Insurance Termination:

Coverage is subject to termination in accordance with the Association Group Master Policy provisions. Notice of termination provided to the Association is considered notification to all Association Members and will not be sent to you individually by GTL. Your right to the provided and stated Life Insurance Policy/Certificate is also terminated as of the termination date requested or assigned by cancelation of your membership in Heartland Alliance of America please see Cancelation Policy for more details.

Accidental Death Benefit Exclusions:

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:

SUICIDE EXCLUSION

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.

Policy Form Disclosure for GTL:

Group Term Life Insurance is issued on Form Series GLC-3002. This product and its features are subject to state availability and may vary by state. Certain exclusions and limitations may apply. There is a 6 month waiting period on the Life policies where you will have accident only coverage, however there is no medical exam required for the Life policies. Members 18 to 69 years of age will receive Full Face Value and 70+ years will be coverd by accident coverage only.

Rate Information for GTL:

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: $20,000 Accident Only Life: Member Only = $8.80 per month, $15,000 Accident Only Life: Member Only = $6.60 per month.