This plan is underwritten by United States Life, under Group Policy No. G-610,258 on Form No. G-19001.

Usually a good rule of thumb is 15 to 20 times your annual income, if you have dependent children. It is recommended that you have a professional evaluate your current situation to determine how much coverage you should have.
Source: IRA.com. FAQs Life Insurance. 2 Feb. 2007

This Plan is available exclusively to NSBA members under age 55, who may request coverage for themselves and their lawful spouses under age 55. In order to become insured, satisfactory evidence of insurability must be provided and the required premium must be paid.

A dependent who is also an NSBA member is eligible for either member or dependent coverage, but not both. If both member and spouse are covered as members, neither may insure the other as spouse.

This coverage is available only for residents of the United States

Members— $100,000 to $1,000,000 in $1,000 multiples.
Spouse— $100,000 to $500,000 in $1,000 multiples.

Pay Less If You're a Qualified Nonsmoker: Nonsmokers meeting the highest underwriting standards may qualify for "Preferred" (the Plan's best) rates. Other nonsmokers may qualify for "Standard" rates.

Issuance of this policy is handled over the Internet and the mail. You can review the materials in the privacy of your home and purchase your insurance directly through the mail without meeting with a salesman. You can, of course, talk to a licensed representative if you'd like. Please click the Contacts section for the Program Administrator's toll-free number.

Each member must give evidence of their insurability satisfactory to United States Life. Subject to the Actively At Work Requirement below, the member will be insured on the first day of the month coinciding with the next following the date United States Life approves the request.

Actively at Work Requirement
A member must be actively at work on the date his insurance is to take effect. If he is not, such insurance will take effect on the day the member resumes such work.
The date insurance is to take effect might not be a scheduled workday. If so, the member will be considered actively at work on such date if he was actively at work on his last scheduled workday.

Ability Requirement
A member must be able to perform the normal activities of a person of like age and sex; with the occupation or retired status on the date his insurance is to take effect. If he is not, such insurance will take effect on the day the member resumes such activities.

Coverage will end when the insured person reaches age 75 or earlier if: (a) premium contributions are not paid when due, (b) the group plan is terminated or modified by the Policyholder to end insurance for the group of insureds to which the member belongs, and (c) if the insured requests to terminate insurance. In addition, dependent coverage will terminate when the dependent spouse ceases to be an eligible dependent. Upon your death, coverage for your insured dependent may continue as described in the Certificate of Insurance.

No. Benefits are paid for death from any cause, at any time, anywhere in the world. The validity of any amount of your life insurance which has been in force for two years during an insured's lifetime will not be contested except for insurance eligibility provisions and non-payment of premium contributions.

The Accelerated Death Benefit option is available to help terminally ill insureds during a difficult and often financially challenging time. Under this provision, you may request a one-time advance payment equal to 60% of your (or your insured spouse's) current life insurance coverage. Payment only applies when the terminally ill person is alive.

This money can be used to help cover high prescription drug costs ... medical bills ... outstanding debts ... to help pay for experimental treatments ... the cost of modifications to your home ... or for a family vacation --- the choice is yours.

To qualify, a terminally ill insured must provide United States Life with proof of terminal illness and anticipated life expectancy (six months or less), as well as any other necessary medical information requested. For additional details and limitations, please see the Certificate of Insurance.

Please note that the receipt of Accelerated Death Benefits may affect your eligibility for public assistance programs and may be taxable. Prior to applying to receive such benefits, you should consult with the appropriate social services agency and seek the advice of a qualified tax advisor.

When you become insured, you will be sent a Certificate of Insurance summarizing your benefits under the Plan. If you are not completely satisfied with the terms of your Certificate of Insurance, you may return it, without claim, within 30 days. Your coverage will be invalidated, and you will be sent a full refund - no questions asked!