Employee Life - Pays a benefit, due to an employee's death from any cause, both on or off the job.

Amounts of Insurance - Plan design is flexible depending on the needs of the employer and employees. The employer may pay all or part of the premium.

Sample Schedules:

Type of Schedule	Classification of Employees	Amounts of Insurance*
Flat	All Full-time Employees	$50,000
Salary	All Full-time Employees	Two times annual salary
Length of Service	1. Employees with 3+ yrs 2. Employees with <3 yrs	$50,000 $25,000

*Group Term Life benefits generally reduce to 65% at age 65, to 50% at age 70, and terminate at retirement.

Waiver of Premium - If an Employee becomes totally disabled while insured, before age 60, and remains totally disabled for 6 months or more, life insurance will continue with no further premium payments as long as the employee remains totally disabled. Dependent Life Insurance Premiums will also be waived. The benefit may reduce according to the schedule of insurance and terminate at age 65. Insurance may then be converted to an individual policy.

Conversion Privilege - Group Term Life may be converted to an individual life policy when an employee leaves employment. The employee need not prove insurability, but must apply within 31 days after the date employment terminated. Spouse and Children's coverage may also be converted.

Optional Benefits

Accidental Death & Dismemberment - (Employees only) Doubles the basic life benefit if the employee dies by an accident, either on or off the job. Smaller amounts are payable for specific other losses. Seat Belt Rider available for additional premium.

Dependent Life Insurance is payable on death from any cause.

Sample Schedules:

Classification	Amounts of Insurance Available
Spouse	$1,000	$2,000	$5,000
Children:
14 days to 6 months	$100	$200	$500
6 months to 19* years	$1,000	$2,000	$5,000

*or to age 25 if an unmarried full-time student

Accelerated Benefit - If an employee has a terminal illness, the policy will pay a portion of the death benefit prior to death.

If you would like information about any of the Group Products United Heritage has to offer Contact Us or Locate an Agent in your area.