Variable life insurance. 10-Year Term Life Insurance, AGD Insurance

NEW Product for Members of AGD 10 year term life insurance quote.

Life insurance can be a very important insurance to purchase especially when it comes to your family's security. If someone will suffer financially when you die, chances are you need life insurance. Now is the time to determine how much would be needed to help cover your loved ones' expenses including: home mortgage, funeral costs, daily living expenses, college funding, etc. As a member of AGD you are offered this exclusive Group Level Term Life Insurance Plan underwritten by Metropolitan Life Insurance Company in the City of New York.

Sets your rate now, based on your current age

Respects your busy schedule, with convenient online rate quote and application

Your spouse can also apply at AGD group rates, for up to $1 million coverage

Who May Request Coverage

All members in good standing, who reside in the United States, may apply for coverage from $100,000 up to $2,000,000 in units of $1,000. Spouses under 65 may apply for $100,000 to $1,000,000 in units of $1,000, as elected by the spouse.

To become insured, you must provide satisfactory evidence of insurability and pay the required premium.

How much will I need?

Accelerated Death Benefit Feature

If you've been covered under this plan for at least 180 consecutive days, are under age 70, and you are diagnosed with a terminal illness from which you are not expected to recover (life expectancy of 24 months or less), you may receive a benefit, the maximum of which is equal to the lesser of 60 percent of your life insurance amount as shown in the Schedule of Benefits of your certificate which must be at least $16,667 less the discount or $250,000, less the discount. The minimum accelerated benefit will be $30,000, less the discount.

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The remaining benefit then becomes payable to your beneficiary after your death. Accelerated benefits are not payable if there is an absolute assignment of your life insurance; there is an irrevocable beneficiary who does not give written consent; all or part of your life insurance is to be paid to your child(ren) or former spouse as part of a court approved divorce agreement, or the terminal illness is a result of intentional self-inflicted injury or attempted suicide. Receipt of accelerated benefits may be taxable. Consult your tax advisor for details.

30-Day Free Look

When you receive your Certificate of Insurance, examine it carefully. If you are not completely satisfied with your Level Term Life Insurance Coverage, simply return your certificate, without claim, within 30 days with your request for a full refund of any premium paid.

No questions will be asked and there will be no further obligation.

When Insurance Becomes Effective

Your coverage will begin on the first day of the month following approval by Metropolitan Life provided the initial premium is paid. You must be actively at work on the date insurance is to take effect; otherwise, the insurance will take effect on the date you return to work.

If applying for coverage, your lawful spouse must be able to perform the normal activities of a person of like age and sex, and with like occupation or retired status. Otherwise, the insurance will take effect on the date the spouse resumes such activities.

Exchange Option

At the end of your term, you may apply for another 10 year term at the rate then in effect for your attained age by providing satisfactory evidence of insurability, provided you are under age 65. After age 65, or if you cannot provide satisfactory evidence of insurability at the end of a 10 year period, your premiums will increase based on age on a yearly basis.

When Coverage Ends

Your insurance will end on the date insurance ends for your class; the end of the period for which your last premium has been paid; your premium due date coinciding with or next following the date you attain age 75; your premium due date coinciding with or next following the date you cease to be a member or upon receipt of written request from you.

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Incontestability

The validity of any amount of insurance which has been in force for two years during the insured's life will not be contested except for non-eligibility or non-payment of premium contributions.

Convertible To Permanent Insurance

If your insurance ends for a reason other than non-payment of premium, you may buy an individual policy of life insurance from Metropolitan Life during the conversion period, i.e., the 31 days after insurance ends. Evidence of insurability will not be required.

Attractive Group Rates

Right To Change Rates

Your individual premium is scheduled to remain level for the initial 10-year term of the plan. Your premium will not increase during the initial term due to your age or health status. The insurance company does reserve the right to change premium rates but may only do so for all insureds covered under the group policy.

The Association incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit, it is reimbursed for such expenses.

Certificate Of Insurance

Each insured will be provided a Certificate of Insurance evidencing coverage, which is provided under policy number G-610,434 on policy form G-19000 issued to the Academy of General Dentistry.

Exclusions And Limitations

If death is the result of suicide during the first two years of coverage, benefits are limited to return of premiums paid, plus interest. If a person's age, sex or any other data is misstated, the correct data will be used to determine if insurance is in force. If insurance is in force, the premium and/or benefits will be adjusted according to the facts.

The Company Behind the Coverage

Like most insurance policies, insurance policies offered by MetLife and its affiliates contain certain exclusions, exceptions, reductions, limitations, waiting periods and terms for keeping them in force. Please contact your plan administrator for costs and complete details.

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Group insurance coverage is issued by Metropolitan Life Insurance Company, New York, NY 10166.

How To Apply

By Mail:

Contact your Personal Insurance Representative, Christa Lee for more information and application at 877-280-6487.

Do You Have Any Questions? Call toll free: 1-877-280-6487

Brian M. Hagan of HBI, domiciled in the state of South Dakota and is licensed/authorized to transact business in the United States and Puerto Rico. Arkansas #383582. California #OH62489

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