Page 44 - NAPA 2021-2022

Who is eligible for this insurance?
You must be actively working (performing all normal duties of your job) at least 30 hours per week.

What is Guarantee Issue?
The amount of insurance applied for without answering any health questions (or which does not require evidence of insurability).
Coverage amounts over the Guarantee Issue Amount will require evidence of insurability.

What is Evidence of Insurability?

Evidence of Insurability or proof of good health – may be required if you are a late entrant and/or you request any additional
coverage above your guarantee issue amount.

Can I take this insurance with me if I change jobs/am no longer a member of this
group?

In the event this insurance ends due to a change in your employment/membership status with the group, or for certain other
reasons, you may have the right to continue this insurance under the Conversion provision, subject to certain conditions.

Are there any limitations, reductions or exclusions?

The benefits payable are based on the following:
· Insurance benefits and guarantee issue amounts are subject to age reductions:
- At age 65, amounts reduce to 65%
- At age 70, amounts reduce to 50%
· Information about the AD&D exclusions for this plan will be included in the summary of coverage, which you will receive
after enrolling.
All exclusions may not be applicable, or may be adjusted, as required by state regulations.

This information describes some of the features of the benefits plan. Benefits may not be available in all states. Please refer to the certificate
booklet for a full explanation of the plan's benefits, exclusions, limitations and reductions. Should there be any discrepancy between the
certificate booklet and this outline, the certificate booklet will prevail. Life insurance and accidental death & dismemberment insurance are
underwritten by United of Omaha Life Insurance Company, 3300 Mutual of Omaha Plaza, Omaha, NE 68175. Policy form number
7000GM-U-EZ 2010 or state equivalent (in NC: 7000GM-U-EZ 2010 NC). United of Omaha Life Insurance Company is licensed
nationwide, except New York.
TERM LIFE INSURANCE